Commercial Businesses

Commercial Business

Commercial Business Outline

Because of TMA’s extensive knowledge & markets, we can write most commercial businesses in the United States. When we write an extensive amount of any one type of industry, it becomes an exclusive program. So, if your industry is not listed, don’t worry. We can handle it. The below list is a general outline of our flexibility. Good times or bad, hard market or soft, TMA is there to help. We fill coverage gaps while protecting our clientele against unforeseen, insured losses.

Insurable Business Classes

Commercial Buildings & Apartments Hotels-Motels-Condos-Warehouses 

Machine Shops-Metal Workers-All Kinds 

Printers-Silk Screeners-Laminators

Office Exposure of all kinds-Dentists-Physicians Optometrists-Clinics-Out Patient Surgery 

Any Non-Profits Business-
All Types of Associations

Artisan Contractors-Plumbers-HVAC-Electrical-Tile Work-Carpentry-
Flooring Etc

HIgh Risk Contractors-Concrete Work-Roofers-Builders-Framers-Dry Wall Etc

Technology-Computer-Web Designers-Programming-Service & Repair

Pharmacies-Including Compounding

Wholesale Distributors & Retail Exposures-Transportation-Service Industries


Available Coverage

National Program



  • Only National “A” Rated Carriers Used to Protect Clients Assets
  • TMA reviews in detail all Previous policies to find Uninsured gaps; then advises The client on how to correct.
  • TMA rates all Liability & Work Comp exposures correctly, saving Premium dollars for the insured.
  • TMA represents hundreds of Nationwide Insurance Carriers in which to choose from
  • Streamlined Renewal Process
  • TMA’s Qualified & Trained CSRS’ Will answer your questions

Liability & Umbrella

  • Comprehensive General Liability
  • Products & Professional Liability
  • E&O/Professional Liability for All Classes of Businesses
  • Prior Acts can be included on a Claims Made Contract
  • Blanket Additional Insured Can be included
  • Foreign Liability Coverage is Available
  • Excess & Umbrella limits $1,000,000 Up to $25,000,000 or higher


  • Commercial Building & Contents Full Replacement cost
  • All Furniture-Fixtures-Equipment Stock & Leasehold Improvements Included under Contents
  • Loss of Income can be extended from 12 up to 36 Months in some instances
  • Inland Marine for expensive Equipment
  • Ocean Marine Competitively Priced
  • Very Broad Foreign Property Policies Available


  • 1 to Unlimited discounted Auto Fleets Available
  • Broad Form Drive Other Car
  • Any Owned Auto Available
  • Hired & Non-Owned Auto
  • Loan/Lease Gap Coverage
  • Auto Umbrella Optional

Workers Compensation

  • State-Required Coverage Based on Payroll
  • Specific rates for All Business Classifications
  • Many States can be insured on 1 Policy
  • Competitive Rates & Experience Modifications available

Cyber liability

  • Privacy Liability
  • Phishing & Data Breach
  • Network Security Liability
  • Digital Asset Restoration
  • Wire Fraud-Multimedia
  • And Many Others…

Management Liability

  • Employment Practices Liability
  • Directors & Officers
  • Fiduciary Liability

The Millward Agency
Adam Millward
P: 801-216-4545

11142 N Highland Blvd
HighlandUT 84003