Our Story

Commercial property is our specialty

A refreshing approach to property and casualty (P&C) insurance

At Millers Mutual, our underwriting appetite is focused on multifamily housing & dwellings, commercial real estate and affordable housing. And we rely on the expertise of seasoned underwriters – not a computer model – to evaluate every new business opportunity. Sound refreshing? We think so.

If you’re a business owner or an independent agent looking for property and casualty (P&C) insurance, you’ve come to the right place.

What We Do

We are a major provider of business owners insurance. We also offer umbrella liability, workers compensation, apartment property damage liability, and employment practices liability.

Millers Mutual does not offer personal lines insurance such as homeowners or personal automobile. And, despite our heritage, we no longer insure milling or agricultural operations.

We insure commercial establishments, including office buildings and shopping centers, apartment buildings and more.

So, if you get the sense that our underwriters are open for business and eager to earn your business, you’ve got the right idea. Just try us.

That’s the “what.” Here’s the “how.”

At Millers Mutual, how we insure you is just as important as what we insure. We do it with more security, more consistency and more of a personal touch. Our agent partners and policyholders know we always pay claims promptly and fairly. They know our appetite for risk doesn’t change with the weather. They know our underwriters will be around – and available to talk – not just next week, but next year too.

These are the assurances you learn to appreciate when you deal with a company that’s been around since 1890. We were founded by a group of grain millers dedicated to reducing their insurance costs; relying on careful risk inspection and selection to achieve that goal.

While our products and services have evolved, we remain true to those original notions of evaluating individual risk and helping responsible customers reduce the likelihood of a loss. After all, we’re in this for the long haul, and there’s no better way of providing customers with peace of mind than by helping them manage risk and lower premiums through good safety practices and awareness.

Millers Facts

Based in

Harrisburg, PA

In Business since



Property & Casualty Insurer

Focused Only On

Commercial Lines

A- (Excellent)

Rating by A.M. Best

VII Size Category

by A.M. Best, reflecting policyholder surplus of $50M – $100M