GROUP BENEFITS

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MMZ, as your trusted advisor, will partner with you to understand your company from a benefits perspective and develop a comprehensive strategy. Whether it is group medical, dental, life, to long-term disability insurance, we will determine the right plan and products that meet both the needs of your employees and your company.

Medical:
Employees rely on the workplace to meet their healthcare insurance needs. MMZ will help you design a strategy and choose the products that result in high employee satisfaction while meeting your business objectives

Dental:
Employees now consider dental an important part of their healthcare coverage. Our consultants will help you add these benefits to your portfolio offering to once again keep employee satisfaction high.

Life:
MMZ will assist you in the navigation through an extensive array of life insurance products to give your employees the options they need to protect their families.

Long-Term Disability:
Plans allow you to protect employee income should a disabling injury or illness prevents them from working.

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Wholesale Food Distributor

MMZ tailors wholesale food distributor coverage to your company's specific needs to ensure that your business enjoys optimized protection.

  • Frozen Foods
  • Dairy Products
  • Beverage (non-alcohol)
  • Fish and Seafood
  • Produce
  • Meat and Meat Products
  • Coffee & Tea
  • Bakery Products
  • Candy
  • Beer, Ale, Liquor

PREMIUM COMPLEMENT OF SUPPORT SERVICES

With three decades of experience in structuring premium protection, MMZ has the expertise and resources to provide the precise coverage your wholesale food business needs and the professional support you want.

MMZ's premium complement of support services include:

  • Professional claims management
  • Review of audits
  • Flexible payment plans to fit cash flow needs
  • 24/7 self-service certificates of insurance via the internet
  • Food industry-specific newsletter to stay abreast of current topics
  • Pre and post-hire MVR reviews
  • Driver training including defensive driving and emergency procedures
  • Heavy equipment training
  • 24/7 claim reporting via the internet or toll-free number
  • Industry-specific risk control
    • Food safety/food security
    • Ergonomics and food handling
    • Post-injury management
    • Contractual risk transfer
    • Business continuity and crisis management
    • Industrial hygiene

AVAILABLE COVERAGES INCLUDES:

  • Commercial General Liability
  • Automobile Liability and Physical Damage
  • Workers' Compensation
  • Equipment Breakdown
  • Inland/Ocean Marine
  • Umbrella
  • Property
  • Employment Practices Liability (including third-party coverage and wage and labor coverage extension)
  • Crime (first and third party)
  • Pollution Liability
  • Computerized Business Equipment
  • Directors' and Officers' Liability
  • Fiduciary Liability

Vehicle Sales/Service

MMZ tailors vehicle sales/service coverage to your company's specific needs to ensure that your business enjoys optimized protection.

  • Car and Truck Rental
  • Truck Stop
  • Auto Dealer
  • Track Dealer
  • Motorcycle Dealer
  • Auto Body Shop
  • Auto Repair Shop
  • Car Wash
  • Gas Station
  • Auto Specialty Shop

PREMIUM COMPLEMENT OF SUPPORT SERVICES

With three decades of experience in structuring premium protection, MMZ has the expertise and resources to provide the precise coverage your vehicle-based business and the professional support you want.

MMZ's premium complement of support services include:

  • Professional claims management
  • Review of audits
  • Flexible payment plans to fit cash flow needs
  • 24/7 self-service certificates of insurance via the internet
  • Pre and post-hire MVR reviews
  • Industry-specific risk control
  • 24/7 claim reporting via the internet or toll-free number
  • Driver training including defensive driving and emergency procedures
  • Audit and reporting processes eliminated
  • Contractual risk transfer
  • Inventory values can be rated on prior 12-month average values

AVAILABLE COVERAGES INCLUDES:

  • Demo Automobile Liability
  • Hired and Non-owned Auto Liability and Physical Damage
  • Automobile Liability (owned and leased vehicle)
  • Physical Damage
  • Federal Odometer Reading
  • Agents E&O/Title E&O
  • False Pretense
  • Dealer's Physical Damage
  • Drive-away Collision Coverage
  • Transit and Temporary Locations
  • Truth In Lending/Damage Disclosure
  • Garage keepers Liability Primary Direct
  • General Liability
  • Property
  • Inland Marine
  • Employment Practices Liability (including third-party coverage and wage and labor coverage extension)
  • Equipment Breakdown
  • Workers' Compensation
  • Contingent Excess Liability/Excess Physical Damage
  • Directors' and Officers' Liability
  • Fiduciary Liability/Crime (first and third party)
  • Pollution Liability
  • Umbrella

Construction Service

MMZ tailors construction services coverage to your company's specific needs to ensure that your business enjoys optimized protection.

  • Concrete Products/Concrete Constructions
  • Landscape Construction/Lawn Care
  • Paving Contractors
  • Spa and Swimming Pool
  • Heating and Air Conditioning Contractors
  • Electrical Contractors
  • Excavation Contractors
  • Plumbers
  • Glazers
  • Janitorial Services
  • Masonry Contractors
  • Fire Sprinkler Contractors

PREMIUM COMPLEMENT OF SUPPORT SERVICES

With three decades of experience in structuring premium protection, MMZ has the expertise and resources to provide the precise coverage your wholesale food business needs and the professional support you want.

MMZ's premium complement of support services include:

  • Professional claims management
  • Review of audits
  • Flexible payment plans to fit cash flow needs
  • 24/7 self-service certificates of insurance via the internet
  • Construction-specific newsletter to stay abreast of current topics
  • Pre and post-hire MVR reviews
  • 24/7 claim reporting via the internet or toll-free number
  • Driver training including defensive driving and emergency procedures
  • Heavy equipment training
  • Pre and post-project surveys
  • Contractual risk transfer

AVAILABLE COVERAGES INCLUDES:

  • Commercial General Liability
  • Automobile Liability and Physical Damage
  • Workers' Compensation
  • Umbrella
  • Property
  • Inland Marine
    • Installation and Builder's Risk
    • Contractor's Equipment
  • Contract Surety
  • Directors' and Officers' Liability
  • Fiduciary Liability
  • Employment Practices Liability (including third-party coverage and wage and labor coverage extension)
  • Crime (first and third party)
  • Contractor's Professional Liability
  • Contractor's Pollution Liability

Energy Storage/Delivery/Application

MMZ tailors energy storage/delivery/application coverage to your company's specific needs to ensure that your business enjoys optimized protection.

  • Petroleum Jobbers
  • Home Heating Oil Distributors
  • Common or Contract Carriers for Petroleum Products
  • Propane - Retail
  • Propane - Wholesale
  • Used Oil Haulers
  • Bulk Oil Distributors
  • Oil Re-packagers
  • Tank Farms
  • Boiler Installation
  • Tank Installation
  • Refineries
  • Oil/Gas/Water Drilling
  • Retail Aviation Fuel
  • Wholesale Aviation Fuel
  • Hazardous Material Transportation
  • Utility Contractors

PREMIUM COMPLEMENT OF SUPPORT SERVICES

With three decades of experience in structuring premium protection, MMZ has the expertise and resources to provide the precise coverage your energy business needs and the professional support you want.

MMZ's premium complement of support services include:

  • 24/7 customized claims administration
  • Review of audits
  • Flexible payment plans to fit cash flow needs
  • Energy industry-specific newsletter to stay abreast of current topics
  • 24/7 claim reporting via the internet or toll-free number
  • Industry-specific risk control
  • Vehicle inspection and preventive maintenance programs
  • Pre and post-hire MVR reviews
  • Driver training including defensive driving and emergency procedures
  • DriveCam exception-based video monitoring
  • Heavy equipment training
  • Contractual risk transfer

AVAILABLE COVERAGES INCLUDES:

  • Commercial General Liability
  • Automobile Liability and Physical Damage
  • Workers' Compensation
  • Umbrella
  • Property
  • Inland Marine
  • Computerized Business Equipment
  • Contract Surety
  • Directors' and Officers' Liability
  • Fiduciary Liability
  • Employment Practices Liability (including third-party coverage and wage and labor coverage extension)
  • Crime (first and third party)
  • Wrongful Delivery
  • Mis-delivery of Liquid Products
  • Automatic Fill
  • MCS-90 fillings
  • Key Stop Agreement
  • Pollution Liability

Environmental Contractors

MMZ tailors environmental contractor coverage to your company's specific needs to ensure that your business enjoys optimized protection.

  • Bioremediation Contractors
  • Analytical Laboratories
  • Emergency Response Contractors
  • Industrial Hygiene Consultants
  • Environmental Consultants/Engineers
  • Indoor Air Quality Consultants
  • Fire/Water Restoration Contractors
  • Soil Groundwater Treatment Contractors
  • Waste Brokers

PREMIUM COMPLEMENT OF SUPPORT SERVICES

With three decades of experience in structuring premium protection, MMZ has the expertise and resources to provide the precise coverage your environmental industry business needs and the professional support you want.

MMZ's premium complement of support services include:

  • Professional claims management
  • Review of audits
  • Flexible payment plans to fit cash flow needs
  • 24/7 self-service certificates of insurance via the internet
  • Construction-specific newsletter to stay abreast of current topics
  • 24/7 claim reporting via the internet or toll-free number
  • Industry-specific risk control
  • Pre and post-hire MVR reviews
  • Driver training including defensive driving and emergency procedures
  • Contractual risk transfer
  • Hazardous material handling training
  • Pre and post-project surveys

AVAILABLE COVERAGES INCLUDES:

  • Commercial General Liability
  • Contractor's Pollution Liability
  • Contractor's Professional Liability
  • Automobile Liability and Physical Damage
  • Workers' Compensation
  • Umbrella
  • Inland Marine
  • Contract Surety
  • Employment Practices Liability (including third-party coverage and wage and labor coverage extension)
  • Crime (first and third party)
  • Directors' and Officers' Liability
  • Fiduciary Liability

Auto Parts Distributor

MMZ tailors auto parts distributor coverage to your company's specific needs to ensure that your business enjoys optimized protection.

PREMIUM COMPLEMENT OF SUPPORT SERVICES

With three decades of experience in structuring premium protection, MMZ has the expertise and resources to provide the precise coverage your auto parts business needs and the professional support you want.

MMZ's premium complement of support services include:

  • Professional claims management
  • Review of audits
  • Flexible payment plans to fit cash flow needs
  • 24/7 self-service certificates of insurance via the internet
  • 24/7 claim reporting via the internet or toll-free number
  • Industry-specific risk control
  • Pre and post-hire MVR reviews
  • Driver training including defensive driving and emergency procedures
  • Heavy equipment training

AVAILABLE COVERAGES INCLUDES:

  • Commercial General Liability
  • Automobile Liability
  • Physical Damage
  • Workers' Compensation
  • Umbrella
  • Property
  • Inland/Ocean Marine
    • Owner and Hired Vehicles
    • Rail Car
    • Ocean
    • Air
  • Computerized Business Equipment
  • Directors' and Officers' Liability
  • Fiduciary Liability
  • Employment Practices Liability (including third-party coverage and wage and labor coverage extension)
  • Crime (first and third party)
  • Equipment Breakdown
  • Pollution Liability