Seamless. Comprehensive. Transparent.

Secure a reliable insurance plan with Millennium Alliance Group, LLC.

Client CenterGet a Quote

  Get Your Insurance Quote

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

Millennium Alliance Group - Favicon

Millennium Alliance Group, LLC

Learn more about our agency.

Millennium Alliance Group (MAG) is an independent insurance agency serving Melville, NY and over 30 states nationwide since 1998. MAG proudly partners with its clients to offer a simple assessment process to identify and manage personal and business risks, costs, and opportunities. We relentlessly build lifetime client relationships founded on trust, confidence, and understanding while delivering policies and knowledge in layman’s terms.

To us, clients are not just policyholders; they are real people with unique lives. They don’t have time to guess or sift through the unknowns. That is why we are committed to finding solutions that protect their quality of life and enhance their business sustainability. It’s this commitment that enables us to turn promises into performance. Read more about us!

Contractor
Insurance

Constructing the ideal insurance coverage.

Learn More

Homeowners
Association Insurance

Coverage designed to protect your HOA.

Learn More

Property Manager
Insurance

Manage your property. We’ll handle the insurance.

Learn More

Manufacturer
Insurance

Specialized protection for your business.

Learn More

Helpful Resources

Visit our Client Center, pay your bill, or browse our collection of videos designed to help you understand your insurance better.

Client CenterPay Your BillVideo Library

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

We offer secure solutions in over 30 states across the US with a focus in Melville, NY, Long Island, NY, and the greater New York City area.

Trust
Confidence
Understanding
We offer secure solutions in over 30 states across the US with a focus in Melville, NY, Long Island, NY, and the greater New York City area.

Millennium Alliance Group - Icon 300

What Makes Millennium Alliance Group, LLC Special

Here’s what sets us apart when it comes to serving your insurance needs.

Dedicated

Our team is available during business hours and after to meet your insurance needs in a timely and efficient manner.

Professional

All of our team members are licensed and participate in ongoing education to stay current in an ever-changing industry.

Competitive

With virtually unlimited markets to choose from, our team will create a plan addressing the risks you face at the most suitable price.

Consultative

We believe in building relationships and assessing each client based on their own individual needs and exposures.

Interactive Graphic

Click it. Read it. Cover it.

Get a glimpse of the risks you face and how your insurance can protect what matters most.

Contractor

Commercial General Liability Coverage

Risk Factor

As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.

Solution

Commercial general liability insurance is an absolute necessity for every contractor. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.

Commercial Property Coverage

Risk Factor

When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.

Solution

Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Contractors' Equipment Coverage

Risk Factor

You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. And without your specialized tools and equipment, your job site may come to a screeching halt.

Solution

As a contractor, you need contractors' equipment insurance - a policy specially designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, contractors' equipment insurance often covers losses caused by floods and earthquakes.

Builders Risk and Installation Insurance

Risk Factor

A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. As a contractor, you may be responsible for unique loss exposures related to buildings under construction such as the theft of building materials and high valued equipment such as generators and compressors.

Solution

Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.

Workers’ Compensation and Employers Liability Coverage

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers’ compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.

Business Auto Insurance

Risk Factor

As a contractor, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your contractor business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Hold Harmless / Additional Insureds

Risk Factor

If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor or subcontractor causing damage to people or property of your mutual customer.

Solution

Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.

Commercial Umbrella / Excess Insurance

Risk Factor

Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over your general liability insurance, workers’ compensation, business auto, and directors and officers liability insurance. It provides a great safety net and helps ensure your contractor business is well protected.

Contractor Insurance 101

Make sure you cover the unique risks you face with contractor insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
Not what you’re looking for?

Find even more interactive graphics for condo insurance, auto insurance, and manufacturer insurance.

Millennium Alliance Group - Logo 500

Manage Your Account Now

How can Millennium Alliance Group, LLC help?

24/7 Client Center
Client Portal Login

Access and manage your policy.

Report a Claim

Get support in filing your claim.

Policy Change

Fine tune your policy options.

Request Certificate

Get proof of your insurance quickly.

Auto ID Card

Lose your card? Get a new one.

Pay Bill

Make payments securely online.

Policy Review

Compare your coverage with your current needs.

  Contact Millennium Alliance Group, LLC

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

Melville, NY

534 Broadhollow Road, Suite 103
Melville, NY 11747

Contact Us