Millington Insurance Solutions, LLC

10/16/2026

Celebrating our 27th Anniversary in beautiful Banff! 🏔️❤️ Banff National Park Alberta

Love you so much, Chuck Chuck Millington! I’m so grateful we get to celebrate another year together. ❤️ Here’s to 27 years and many more adventures together!

10/16/2026

Here is one almost nobody expects. The content your business puts out, on your website and your social media, can create liability.

Website and media liability covers publishing-related claims. Things like defamation, invasion of privacy, copyright infringement, or using an image or line of copy you did not have the rights to. It is a form of errors and omissions coverage built for the electronic media businesses put out every day.

You do not have to be a big brand for this to matter. A single post, photo, or comparison ad can be enough to draw a claim.

If your business is active online, and most are, this is a quiet exposure worth understanding.

The right coverage lets you keep showing up online without second-guessing every post.

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Please reach out to Millington Insurance Solutions for all your insurance questions – there are no wrong questions, only unanswered ones.

Erin Millington
Millington Ins Solutions
Direct: 630-922-9909
[email protected]

55 Shuman Blvd Suite 1050, Naperville, IL 60563
800-258-0277

10/14/2026

A data breach happens when information is taken without permission. Customer names, card numbers, medical or financial records. For a lot of small businesses, that data is sitting in their systems whether they think about it or not.

Here is the part owners miss. If the stolen information includes personal records, most states legally require you to notify the affected people. That notification, plus credit monitoring and response, gets expensive fast.

It is not only a big-company problem. Any business that stores customer information carries some version of this exposure.

Cyber coverage can help with the notification costs, the response, and the liability that follows.

If you take payments or keep customer records, it is worth knowing what you would actually owe after a breach.

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Please reach out to Millington Insurance Solutions for all your insurance questions – there are no wrong questions, only unanswered ones.

Erin Millington
Millington Ins Solutions
Direct: 630-922-9909
[email protected]

55 Shuman Blvd Suite 1050, Naperville, IL 60563
800-258-0277

10/13/2026

Last Thursday, our team at Millington Insurance Solutions, LLC, an affiliate of Robertson Ryan Insurance and Millington Financial Advisors, LLC, packed to-go lunches for Ronald McDonald House as part of our annual Service Day with Robertson Ryan Insurance! ❤️

A big thank you to the Better Together Community for helping coordinate this volunteer opportunity. We’re grateful for the chance to give back to our community! 💙

10/12/2026

As the busy season ramps up, a lot of businesses bring on extra hands. Seasonal staff, part-timers, a few people just to get through the holidays.

It is easy to treat them as temporary and move on. But the moment someone is working for you, the usual responsibilities can apply. Workers compensation, payroll exposure, and liability do not always pause just because the role is short-term.

If those workers drive, handle cash, or interact with customers, the exposure is real even for a few weeks.

A quick conversation before you staff up keeps you covered through your busiest stretch.

Growth is exciting, even the seasonal kind. Protecting it is just smart.

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Please reach out to Millington Insurance Solutions for all your insurance questions – there are no wrong questions, only unanswered ones.

Erin Millington
Millington Ins Solutions
Direct: 630-922-9909
[email protected]

55 Shuman Blvd Suite 1050, Naperville, IL 60563
800-258-0277

10/10/2026

10/09/2026

Social engineering is when a criminal manipulates a person, rather than a system, to get what they want. No firewall gets broken. Someone is simply tricked.

It shows up as a phishing email, a fake vendor request, a phone call from "the bank," or a message that looks like it came from the owner. The goal is to get someone to click, share a password, or send money.

These attacks work because they rely on trust and urgency, not technical skill. And they are getting more convincing every year.

Cyber coverage can help respond when one of these gets through. Training your team to slow down and verify is the other half of the defense.

Not from a place of fear. Just awareness that the most common way in is through people.

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Please reach out to Millington Insurance Solutions for all your insurance questions – there are no wrong questions, only unanswered ones.

Erin Millington
Millington Ins Solutions
Direct: 630-922-9909
[email protected]

55 Shuman Blvd Suite 1050, Naperville, IL 60563
800-258-0277

10/07/2026

Most business property policies handle the obvious disasters. Fire, theft, storm damage. Fewer owners think about equipment simply breaking down on its own.

A walk-in cooler that fails overnight. An HVAC system that gives out. A key machine that stops mid-shift. Standard property coverage often does not respond to mechanical or electrical breakdown, because nothing happened to it from the outside.

Equipment breakdown coverage is built for exactly that. It can help with repair or replacement, and sometimes the income you lose while you are down.

For a business that depends on specific equipment to open the doors, that is a real gap worth closing.

If your operation runs on machines, it is worth asking what happens the day one of them quits.

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Please reach out to Millington Insurance Solutions for all your insurance questions – there are no wrong questions, only unanswered ones.

Erin Millington
Millington Ins Solutions
Direct: 630-922-9909
[email protected]

55 Shuman Blvd Suite 1050, Naperville, IL 60563
800-258-0277

10/05/2026

Ransomware is one of the fastest-growing threats to small businesses, and it does not care how big you are.

It works by locking you out of your own systems, data, or files. Then the criminals demand a payment, often in cryptocurrency, to give it back. Some businesses pay and still do not fully recover.

While you are locked out, the business stops. No scheduling, no invoicing, no access to customer records. The cost is rarely just the ransom. It is the days of downtime around it.

Cyber coverage can help with recovery, downtime, and the response you would need in that moment. Good backups and basic security habits lower the odds in the first place.

If any part of your business lives on a computer, this is worth understanding before it happens.

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Please reach out to Millington Insurance Solutions for all your insurance questions – there are no wrong questions, only unanswered ones.

Erin Millington
Millington Ins Solutions
Direct: 630-922-9909
[email protected]

55 Shuman Blvd Suite 1050, Naperville, IL 60563
800-258-0277

10/04/2026

Super fun night out in Chicago with these beautiful ladies ❤️🥰.