McNish Group excels in certain specialized areas, such as construction, where we are known as an industry leader. From 50 years in the business of providing risk solutions, we have built the credentials and customer loyalty to stand out among our competitors. Word-of-mouth referrals and references are points of pride and illustrate our expertise – and the importance of relationships to everything we undertake at McNish.

With decades of experience, we recognize the needs and risks specific to certain business types. Knowing the distinct attributes of these industries helps us to properly insure and protect all areas of your business.

The McNish Group has a number of areas of business and operations in which we specialize:

• Construction
• Manufacturing
• Cannabis
• Food Processing
• Energy & Environment
• Technology
• Property Management
• Captive Insurance Programs
• Industrial Services
• Small Business
• Restaurants, Wineries, Breweries

When looking to insure your business and property, you need a partner with extensive experience to help you accomplish your goals. McNish Group has been partnering with businesses for 50 years, providing transparency and accountability every step of the way. Repeat business, word-of-mouth referrals and references attest to our commitment and our business acumen.

At any point in time, your business may have losses from theft, property damage, or being sued. When these or other situations happen that interrupt your business or result in employee injury, you need the right combination of commercial insurance. McNish will make sure you have the proper protections while helping to guide and strengthen your business as you expand and grow.

Common examples of commercial insurance:

• General liability insurance
• Property insurance
• Automobile insurance
• Worker’s compensation insurance
• Professional liability insurance
• Cyber liability
• Directors’ & officers’ liability insurance
• Umbrella liability insurance
• Employment practices liability insurance
• Builder’s risk insurance
• Fiduciary liability policies
• Environmental liability insurance
• Equipment floater policies
• Warranty service programs

McNish understands that every business has unique needs, and many important types of coverage are not presented here.

The McNish Group has a number of areas of business and operations in which we specialize. Learn more about our core capabilities.

Personal insurance helps cover the financial responsibility if you or a family member is at fault in an accident and people are injured or their property is damaged. It also protects your home, auto and other major items in the event of damage or loss. As your family size grows or you move toward retirement, McNish will be there to make sure your coverage evolves to match your needs.

Common examples of personal insurance:

• Automobile insurance
• Homeowners insurance
• Marine insurance
• Umbrella insurance
• Recreational vehicle insurance

McNish understands that every individual and family has unique needs, and some types of personal coverage are not on this list. We’ll work with you to make sure you’re covered for everything that is important to you.

McNish offers employee benefits packages to our business customers as part of providing holistic coverage. We help you to secure quality group health and life insurance plans. We walk you through the ever-changing complexities of medical coverage, and seek the best value for your unique situation. Moreover, we serve as you and your employees’ liaison with the carrier. If you already have business coverage with us, please ask about how we can advise and assist with employee benefits, from presenting health and life options to counseling you on changing health insurance laws that might impact your business.

Attracting and keeping good employees
Business owners often offer life insurance and group health insurance as part of a larger benefits package to encourage good health maintenance and care for their employees. Employers with more than 50 full time equivalent employees must offer qualified and affordable health benefits or pay a tax penalty. More importantly, good employee benefits provide an incentive to recruit and retain your best employees.

Common group health product lines:

• Health insurance
• Short-term health insurance
• Dental insurance
• Vision insurance
• COBRA coverage
• Short-term life insurance
• Long-term life insurance

Other types of group health coverage, such as HSAs, HRAs and FSAs, are available for organizations. McNish Group professionals can make sure you and your employees are covered adequately.

Surety bonding service – handled promptly and efficiently – is a trademark of McNish. We have decades of experience handling all types of commercial and contract bonds of multiple sizes and complexity.

McNish understands the nuances of the contract language and what the bond guarantees. Whether you are a new contractor or a long-standing customer, we stand behind you, providing valuable professional advice, guidance and assurance so that you don’t have to worry.

We understand the importance of surety to the success of your business. Along with actively guiding you through every step of the bonding process, we also position your business for success by…

• providing quick turnaround, understanding that response time for bonds is crucial
• finding the right balance of value, speed and quality
• working with you as a partner, with frequent communication and updates
• making sure you’re prepared with needed documentation before we submit your request to the underwriter
• aligning all we do with your business plan and goals, leveraging our knowledge of the bonding and insurance business to move your business forward

As a McNish customer, you will also benefit from our long-established relationships with national and regional carriers across the country. When a bond is needed, we can serve as your liaison and advocate – no matter what state you’re doing business in or what the current economic climate.

Individuals, families and businesses should secure life insurance plans as well as insurance for disability and long-term care. These policies are important for securing the future of those you love in the event of an unexpected health event. An unforseen injury, illness, or death could cause financial devastation for you or your family if you’re uninsured. McNish can review all of your financial plans and/or provide financial product recommendations; our independent status enables us to shape solutions that best meet your needs and that evolve with changes in your family or business.

Common examples of financial services products:

• Life insurance
• Disability insurance
• College savings plans
• Long-term care insurance
• Retirement planning

Other types of financial services are available for individuals and companies. As an independent agent, we’ll work with you to present the best options.