When our business grew to over 30 employees insurance costs became challenging to profits, our former insurance brokers (a large national firm) told us that building and construction trades contractors were risky, and carrying high liability limits and special coverages required to meet contract requirements were costly. The folks at 3rd Millennium acknowledged that this was true, but advised us that our insurance costs were more than they should be. They went over our contract requirements with us and found A rated insurance companies to meet these requirements at 40% less than what we were paying. More importantly, they work with us constantly on ways to reduce claims and further optimize our insurance costs. We are very pleased to have them as our insurance brokers.