Member Insurance has relationships with a multitude of carriers to provide insurance for businesses with more complicated risk exposures. We’ve built programs with specialized products, coverages, and services for the following classes:

  • Retail Hardware stores
  • Equipment Rental
  • Party Rental
  • Building Material Dealers
  • Lumberyards
  • Wood Products Manufacturing
  • Artisan Contractors
  •  Garden Centers
  • Commercial Industrial Supply

Outside of those specialized programs, MIA has access to many other carriers to accommodate the needs of ANY class of business!


  • Property
    • Member Plus Endorsement (if eligible)
  • General Liability
  • Commercial Auto
  • Inland Marine
  • Umbrella/Excess
  • Workers’ Compensation
  • Professional Liability (EPLI, D&O, etc.)
  • Data Breach Liability
  • Flood
  • Earthquake
  • Wind (including Florida)
  • Bonds

Note: Some coverages may not be available in all states.

Policyholders are entitled to three free hours of expert risk management consulting from the Member Solutions Risk Management HelpDesk. Member Insurance has partnered with Goldberg Segalla to offer you this FREE service once per policy period.

Members can contact the Member Solutions HelpDesk for assistance with:

  • Loss control
  • Risk management
  • Lawsuit avoidance
  • Customer relations
  • Company policies and procedures
  • Premises issues

To take advantage of your free risk management consultation, call the Member Solutions HelpDesk toll-free at (855) 642-9177, Monday-Friday 9 a.m. to 5 p.m. Eastern Standard Time.

The Member Solutions Risk Management HelpDesk is another way you and your fellow policyholders benefit from the increased value and service Member Insurance provides.

Attention California business owners –

Be sure to place warning signs in your store’s windows as required by statute Proposition 65. Click on the link for more information.

Proposition 65 Signs

Protect Your Business With Data Breach Coverage

Stolen credit card numbers and database hacking are both things you don’t want your business or customers to experience. Yet, the recent incident that occurred at one of the nation’s largest department stores is an example that a data breach can happen even to sophisticated companies with expensive and expansive security.

In addition to providing you with data breach liability coverage to pay those sums that you become legally liable to pay due to a data breach claim, the following services are included at no additional cost:

Breach Counseling

  • Determine if a policy breach occurred.
  • Assess severity of the event.
  • Explain breach response requirements and best practices.

Crisis Management

  • Time-saving professional service to guide you in handling a breach.
  • Work closely with policyholder and claims to outline an action plan.
  • Public relations assistance to help restore your business’ reputation.

Remediation Planning

  • Service recommendations to impacted individuals such as notification, call handling and monitoring products.

Notification Assistance

  • Letter templates and document review to ensure compliance with regulatory requirements.

Evidentiary Support

  • Documentation of steps taken and remediation services provided
    to manage the privacy breach.

To obtain a quote for your insurance, including coverage
for data breach, contact Member Insurance Agency at
800-609-8546, or email marketing@memberinsurance.com.

Protect Your Business With Flood Coverage

Flood insurance covers damage caused by rising water. Floods can happen anywhere, anytime–not just in coastal areas or near lakes and rivers. Torrential rain, snowmelt, mudslides, dam failures and inadequate drainage systems can all cause flood losses.  Flood or storm damage from natural disasters can be ruinous, but many business owners are not aware that business property insurance typically excludes flood damage.  According to FEMA, almost 40% of small businesses never reopen their doors after a flood disaster.  From 2006 through 2015, total flood insurance claims averaged more than $1.9 billion per year.

Flood insurance is the BEST way to protect yourself from a devastating financial loss.

According to Karen Clark & Co, Hurricane Matthew caused $6.95 billion in insured damages and $16.31 billion in total damages.  The uninsured damages of nearly $10 billion are primarily flood.  These statistics highlight the significant exposure to flood, even in areas not considered to be flood-prone.

Here at Member Insurance, we aim to help you protect your business in the event of a flood.

To learn more, click here:member-insurance-flood