Millers Mutual Insurance Company
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
Millers Mutual is a niche commercial carrier focused on the multifamily / habitational real estate segment in the small-business space. Appetite and umbrella offerings are tightly tied to this niche rather than broad commercial industry classes. PREFERRED / TARGET BUSINESS (Umbrella attaches over MM primary): - Habitational and residential real estate risks, especially: - Apartment buildings and garden-style apartments - Dwellings 1–4 units - Affordable housing - Student housing - Row homes - Senior independent living - Mixed-use occupancy where the primary exposure is multifamily habitational - Target insured profile: commercial property owners with one or more rental / multifamily properties, 4 stories or less in height and individual building values up to $5M (the stated ‘sweet spot’). - Umbrella is marketed as excess liability over Millers BOP / GL for these habitational accounts. PRODUCT / LIMITS – COMMERCIAL UMBRELLA: - Described as an additional layer of protection for liability claims exceeding the primary general liability policy. - Appetite guide notes coverage available up to $10M in umbrella limits for qualifying accounts. - Earlier Millers marketing piece indicates premiums starting around $400 for $1M umbrella for suitable small accounts (actual pricing subject to underwriting and rating). GEOGRAPHIC NOTES: - Millers writes through independent agents in: Pennsylvania, Delaware, Maryland, North Carolina, Ohio, Virginia, and Washington, DC. - Umbrella availability is implicitly limited to these active underwriting states and to the habitational segment in those territories. RESTRICTED / DECLINED (INFERRED OPERATIONAL GUIDANCE): - Non-habitational commercial industries (contractors, manufacturing, trucking, etc.) are not in the published appetite; such risks should be assumed out-of-appetite unless specifically endorsed by a Millers underwriter. - Habitational risks materially outside the sweet spot are likely restricted, including: - Buildings over 4 stories - Individual locations/structures valued materially above $5M - Accounts without supporting Millers primary (BOP/GL) are likely not eligible for standalone umbrella, since all marketing positions umbrella as excess over Millers primary for multifamily rental portfolios. - Any geographic exposures outside PA, DE, MD, NC, OH, VA, and DC are out-of-appetite for new business. SUBMISSION / UNDERWRITING EXPECTATIONS FOR UMBRELLA: - Place primary package (BOP) with Millers on multifamily, tenant-occupied real estate first; umbrella is written as an excess layer over that primary. - Expect standard habitational underwriting information: - Schedule of locations with number of units, stories, year built/updates, and replacement cost/values per building - Occupancy mix and confirmation that risks fall within preferred classes (multifamily, 1–4 family dwellings, mixed-use with primary residential, etc.) - Loss runs and any prior large liability losses - Confirmation that properties are within the 4-story / $5M-per-building ‘sweet spot’ or explanation for exceptions - Umbrella quotes and binding are handled via the assigned commercial underwriter for the agency; producers are directed to work directly with that underwriter or the underwriting leadership team for questions and large/exception accounts. BROKER / PRODUCER NOTES: - Millers operates as a regional, appointment-only market; agents must be appointed to access products. New agents are directed to the "Become an Agent" channel and are paired with a dedicated underwriter once appointed. - Appetite language emphasizes stability and consistency for the multifamily segment; producers should expect a relationship-driven model and consistent treatment of similar risks. - For umbrella specifically, producer marketing encourages making umbrella ‘standard’ for multifamily accounts and directs agents to contact their Millers underwriter or underwriting leaders for limits up to $10M and case-specific pricing. - Agent-facing materials and toolkits are available on the Millers agent site; producers are encouraged to use these for client education and to coordinate with their assigned underwriter for eligibility and program design. Operational takeaway: Treat Millers Mutual as a specialized habitational/multifamily market where commercial umbrella is a companion product to a Millers BOP/GL on small to mid-size rental property portfolios within PA, DE, MD, NC, OH, VA, and DC, with a defined sweet spot of ≤4 stories and ≤$5M value per building and umbrella capacity up to $10M for qualified risks.