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More room to grow

An environment that fosters growth

We’ve been helping people and providing more than a measure of peace of mind for over 120 years.  And we owe every bit of our success to a talented team of driven professionals – people who care about their work, care about our reputation, and care about making sure the highest level of protection is always wrapped in the warmest blanket of security and integrity.

Millers Mutual provides equal employment opportunities to all employees and applicants for employment. We will not discriminate against any employee or applicant because of race or ethnic group, religion, color, ancestry, place of birth, sex or sexual orientation, age, national origin or disability.

Employee Benefits

At Millers Mutual Insurance, we recognize the importance of our employees’ health and wellness. We are committed to providing a high quality, competitive employee benefit program which is designed to address our employees’ benefit needs. Our benefit package is regularly reviewed and modified to ensure we offer those benefits most valuable to both the employee and their family.

  • 401K Plan

  • Paid Holidays

  • Dental

  • Paid Vacation

  • Vision

  • Medical

Open Positions

Commercial Underwriter

Millers Mutual Insurance

In the wake of an accident, an insurance policy should provide a source of solace. Without a carrier that’s deeply invested in the multifamily housing space, property owners experiencing a loss may find just the opposite. Avoiding gaps in coverage takes singular focus. Where other providers divide their attention across multiple classes of business, Millers zeros in on multifamily housing. Our agents and our customers deserve a carrier that’s dedicated to understanding the intricacies of multifamily housing.

Based in Harrisburg, PA, Millers Mutual Insurance is the niche property & casualty insurer that brings stability to multifamily housing. We currently serve multifamily housing, student housing, affordable housing & commercial real estate markets in PA, DE, MD, NC, OH, VA & D.C.

Commercial Underwriter Position Overview

As a Commercial Underwriter at Millers Mutual, you’ll become part of a passionate team that values humility, company-wide leadership, and trust, and sees culture as core to its ability to empower our agents to become a reassuring force in the lives of their customers.

In this role, agents in your territory will depend on you as Millers Mutual is known for our singular commitment to multifamily housing. Our deep understanding of the exposures endemic to the niche means thorough coverage for property owners—and reassurance amid the anxiety of emergencies. You will be responsible for the production, retention and profit of commercial lines business utilizing advanced technical underwriting ability.

In line with our lead-from anywhere philosophy, you’ll be expected to use your sharp decision-making skills to determine risk acceptability and pricing. Furthermore, we ask that you prioritize providing prompt, accurate, courteous, and professional services to our agents and fellow employees. This position requires a person with excellent soft skills including but not limited to negotiating, sales acumen, and organizational skills to generate and maintain effective producer and customer relationships. Additionally, you will collaborate with the underwriting team and leaders to advise on market trends that may need attention.

Essential Job Functions

  • Manages a book of business for assigned agencies and is responsible for overall profit and growth of the book. Utilizes all present and future underwriting tools and resources.
  • Reviews and underwrites individual applications for new and renewal business for commercial lines accounts within established authority level. Evaluates exposures to loss, determines pricing, and determines acceptability of risk in accordance with company guidelines. Documents details of underwriting decisions, while maintaining all supporting information, records, and data in accordance with audit standards.
  • Reviews results of underwriting file reviews, makes needed file/process adjustments and applies lesson-learned moving forward.
  • Notifies agencies of adverse decisions, underwriting requirements, status and declinations. Answers questions from agencies, policyholders or other external contacts and escalates issues to management as necessary. Negotiates with agents to reach positive and profitable outcomes.
  • Delivers quotes, terms and conditions to the agent. Have ongoing negotiations with the agent until the renewal order is received and then sends the renewal to be processed.
  • Orders and reviews inspections and prepares recommendation letters.
  • Establishes and maintains effective communication externally (between agents and company) and internally (within the company) regarding underwriting procedures and practices, growth/profit goals and objectives, and agency relations. Travels to visit agencies and customers throughout the year.
  • Keeps current on state/territory issues and regulations, industry activity and trends and shares this information with team members, particularly their Underwriting Leader.
  • As directed, conducts special studies and projects regarding underwriting procedures and practices. Submits recommendations to improve department results, including coverage, pricing, or competitive issues.
  • As requested by the Underwriting Leader, plans, and facilitates the Underwriting Meetings.
  • Assists the Underwriting Leader in training and mentoring other underwriting team members.
  • Maintain an operating knowledge of Millers’ standardized hardware, software programs, third party software, and processing procedures.
  • Performs other functions as assigned to support operations. (e.g. perform risk surveys, takes first notice of loss on catastrophe claims etc.)

Qualifications/Requirements

  • A minimum of three years of property and casualty commercial lines underwriting experience OR consistent demonstration of success as an Underwriter – Level 1.
  • A Bachelor’s degree from an accredited college or university OR commensurate experience.
  • Possesses a CPCU, CIC, or AU designation OR is willing to attain one of these designations.
  • Demonstrates strong negotiation and sales management skills.
  • Strong verbal, written and interpersonal skills resulting in the ability to interact with all employee levels in the organization and with customers.
  • Demonstrates strong customer service, organizational and analytical skills.
  • Valid driver’s license that conforms to company standards.

Interested In Joining Our Team?

In the aftermath of the unforeseen, with Millers Mutual as their carrier, customers can have the peace that comes from knowing loss doesn’t have to be permanent. The ability to lead from any position, humility, trustworthiness, and passion are all immovable facets of Millers employees. If this sounds like you, we’d love to know more about you. Please submit your cover letter and resume to Karen Anuscavage, Vice President of Human Resources at kanuscavage@millersinsurance.com.

File Auditor

Millers Mutual Insurance

In the wake of an accident, an insurance policy should provide a source of solace. Without a carrier that’s deeply invested in the multifamily housing space, property owners experiencing a loss may find just the opposite. Avoiding gaps in coverage takes singular focus. Where other providers divide their attention across multiple classes of business, Millers zeros in on multifamily housing. Our agents and our customers deserve a carrier that’s dedicated to understanding the intricacies of multifamily housing.

Based in Harrisburg, PA, Millers Mutual Insurance is the niche property & casualty insurer that brings stability to multifamily housing. We currently serve multifamily housing, student housing, affordable housing & commercial real estate markets in PA, DE, MD, NC, OH, VA & D.C.

File Auditor Position Overview

As a File Auditor at Millers Mutual, you’ll become part of a passionate team that values humility, company-wide leadership, and trust, and sees culture as core to its ability to become a reassuring force in the lives of our customers.

In this role, leadership will depend on you to evaluate underwriting and claims files for overall completeness, helping to provide consistency among our underwriting book and claims files. Your deep understanding of our underwriting exposures and claims practices and procedures will set you up for success.

In line with our lead-from anywhere philosophy, you’ll be expected to use your strong analytical and organizational skills to identify and report to Leadership on underwriting and claims issues and identified trends. Additionally, you will collaborate with the underwriting and claims leaders to advise on changes needed to business processes and develop and implement solutions. Furthermore, we ask that you prioritize providing prompt, accurate, courteous, and professional services to your fellow employees.

Essential Job Functions

  • Performs audits on Underwriting and Claims files reviewing for overall completeness.
  • Obtains, analyzes, and appraises information contained in the underwriting or claim file as a basis for an informed, objective opinion.
  • Develop, enhance, and maintain audit procedural checkpoints, methods, and techniques to validate information.
  • Identifies and reports on underwriting and claims issues/trends identified within audited files.
  • Compiles audit results and prepares reports for leadership.
  • Responsible for overall quality, content, and consistency of audited files and reports.
  • Working in conjunction with Risk Services, develop and recommend internal controls to minimize risk exposure.
  • Identifies potential training needs.
  • Provides technical information on Underwriting and Claims questions.
  • Acts as the subject matter expert.
  • Utilizes business intelligence to develop trends or losses within Millers book of business.
  • Evaluate business processes, anticipate requirements, uncovering areas for improvement, and developing and implementing solutions.
  • Special projects as assigned.

Qualifications/Requirements

  • Bachelor’s degree or equivalent experience in an auditing role
  • Minimum 8 years of experience in Commercial Property Underwriting is preferred
  • Five years of Claims experience and understanding of claims best practices is preferred
  • Strong analytical and organizational skills
  • Demonstrated strong communication skills
  • Ability to interact and develop relationships at all levels both internally and externally
  • Proficient computer knowledge including, but not limited to, all aspects of Microsoft Office

Interested In Joining Our Team?

In the aftermath of the unforeseen, with Millers Mutual as their carrier, customers can have the peace that comes from knowing loss doesn’t have to be permanent. The ability to lead from any position, humility, trustworthiness, and passion are all immovable facets of Millers employees. If this sounds like you, we’d love to know more about you. Please submit your cover letter and resume to Karen Anuscavage, Vice President of Human Resources at kanuscavage@millersinsurance.com.

Apply Online

We are passionate about serving our clients, developing our professionals and giving back to our communities. If you are a committed professional with a passion for delivering unparalleled service, we are interested in hearing from you.

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