Who We Are

Mills Cumming & Associates, Inc., a Florida corporation, was formed in 1980 as an independent insurance agency by Bruce F. Cumming, a Tampa native. At our Agency we believe in the basics; Product, Service and Commitment to stay ahead of the competition. We have assembled a diverse team of specialists which allows us to effectively serve Businesses, Professionals and Individuals throughout the state of Florida. Our experience and resources give us the edge in solving even the most complex insurance problems. Our clients look to us for sound and well-informed counsel about their varied insurance decisions. We take seriously our responsibility to aid in protecting your financial futures.

What We Do

Mills Cumming & Associates, Inc. has developed resources to customize the right solution for your unique insurance needs.

Our business specialists are trained to analyze each client's situation and make concise recommendations for implementation. Clients rely on us to assist them in making these difficult decisions. Clients no longer have to guess which group insurance program is right for them. We represent every major group insurance provider and can custom design a plan to meet your needs while minimizing cost. Most importantly, we do not abandon you, our client after the plan is installed. On-going service is our policy. Our employee benefit expertise goes far beyond group insurance. We can assist in establishing both qualified and non-qualified plans such as Deferred Compensation, Executive Bonus, Salary Continuation Plans and a wide variety of Retirement Plans.

Closely held businesses require specialized planning which we have the skills to provide. We make the complex simple. We help clients answer the hardest questions about the future of their businesses. We have the experience and knowledge to make sure that their most important assets are adequately protected. Our customized business continuation plans relieve these worries.

Business owners, Professionals and Individuals alike share common financial problems and goals. To that end we offer, at no cost, several unique services to assist our clients plan and prioritize their financial futures. These services can help provide a picture of your current situation and a path to follow to achieve your goals. We emphasize planning which will minimize income and estate taxes while maximizing the value of your estate to your survivors. We coordinate our efforts with legal and tax advisors to provide the most comprehensive plan possible.  You need not feel alone and confused.  Trust our trained professionals to guide you to a secure financial future.