Michigan Millers Insurance Co.
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Michigan Millers is a regional carrier writing commercial and specialty business through independent agents. Core commercial offerings shown on the current product pages include Commercial Auto, CPP, Umbrella, EPLI, Equipment Breakdown, and Workers’ Compensation, alongside a large Specialty Insurance Solutions portfolio. The site continues to present broad specialty appetite examples rather than a single master underwriting guide, so the practical operating view is class-by-class appetite marketing plus producer bulletins and agent-portal submission instructions. Current notable change: Michigan Millers announced on July 16, 2026 that it is discontinuing its BOP program. No new BOP business is accepted for effective dates on or after September 1, 2026, and BOP accounts will begin nonrenewing with policies effective January 1, 2027; related policies such as Commercial Auto and Workers’ Compensation tied to a BOP account will also be nonrenewed, so brokers should avoid positioning Michigan Millers for new package/BOP risks and should plan remarketing for affected insureds. Preferred business currently published is strongest in specialty commercial niches and selected core commercial lines. Publicly listed specialty target classes include agritourism, alarm services, animal-related businesses, club/social organizations, detective/security, educational businesses, entertainment businesses, food trucks, health clubs, hunting/fishing related businesses, outdoor recreation, pest control, social services, special events, sports complexes, sports teams/clubs/camps, tree trimmers, and vacation rentals. Examples of specifically referenced acceptable risks include apple orchards, corn mazes, farmers markets, petting zoos, animal boarding, doggy day care, equine risks/riding stables/boarding, awareness and trade groups, armed and unarmed guards, driver training schools, museums, axe-throwing facilities, food carts/trailers/mobile food trucks, 24-hour gyms and CrossFit programs, gun ranges, campgrounds, canoe/kayak/paddleboard rentals, pest control operations, and adult day care or nonprofit counseling/social service organizations. Restricted/declined cues are limited on the public site, but the carrier does publish some important constraints: boat rental is explicitly marked restricted within Outdoor Recreation; equine risks/riding stables/boarding are not available in New York and are nonprofit-only in Minnesota; zoo exposure is limited to accredited zoos only; many specialty pages state that appetite is broader than the examples shown, meaning out-of-box risks may still require underwriter review rather than automatic declination. Geography: Michigan Millers’ main commercial/specialty operation is presented as serving agency partners primarily in Michigan and New York, while its Specialty Division states availability in ten states: Michigan, New York, Minnesota, Washington, Oregon, Idaho, Utah, Illinois, Montana, and Wisconsin. The site also notes that availability varies by state, and recent expansion into the Northwest, Illinois, and Wisconsin is underwritten on Western National paper and assumed by Michigan Millers. Submission/process notes: commercial lines products are now available in the Navigator agency system via the Michigan Millers agent portal (AgentsOnline) in Michigan and New York; functionality includes ACORD application upload, increased data prefill, carrier loss run upload, document viewing, and first notice of loss reporting. In New York, Commercial Auto is specifically noted as unavailable for quoting in the new system at the time of the bulletin, and submissions for NY Commercial Auto are directed to NewBusiness@mimillers.com. Producers are instructed to complete multi-factor authentication when invited, and to contact their Territory Sales Manager with system or transition questions. Distribution is through a select network of independent agents; public consumer-facing personal lines references such as Home and Boat/Watercraft are not supported by a verified public underwriting/appetite guide in the materials reviewed, so no current public underwriting criteria for those lines was confirmed.