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Apartment Buildings Insurance
Apartment Building - Navigate the Hard Insurance Market

Hard insurance markets present many challenges for insurance agents. And because the last significant hard market was in 2001, these are uncharted waters for many. Learn strategies to help you talk to clients, work with underwriters, and navigate through these challenging times.

Apartment Building - Selling the Hard Insurance Market

Pressure to produce. Long hours. Difficult conversations. Hard insurance markets present many challenges for insurance agents. Millers Mutual’s got you covered with a list of best practices for selling in today’s hard insurance market.

Apartment Building - Understand the Hard Insurance Market

Hard insurance markets present many challenges for insurance agents, but agents with a deep understanding of the market and close carrier relationships are best suited to help navigate insureds through the process.

Turn Off Outside Faucets

Each fall, before the weather gets too cold, turn off outside faucets and in-ground irrigation systems to prevent freezing and bursting when the temperature dips.

Inspect All Fire Extinguishers

Periodically verify that all fire extinguishers are inspected and in proper order. Make sure they’re accessible and review their proper use.

Clear All Drains and Gutters

Before a hurricane hits, be sure all drains are clear of debris that can cause a water backup.

Require a COI from All Contractors

Every time a property owner/manager hires an outside contractor for services such as landscaping, snow and ice removal or pool maintenance, there is the potential for third-party litigation resulting from the contractor’s work. Be sure your contractors have proper insurance coverage by obtaining a certificate of insurance.

Install GFCI Outlets

GFCIs are electronic devices designed to shut off power when they detect a common type of electrical shock hazard called a ground-fault.

Check Your Water Heater Regularly

A simple visual check of the pipes and fitting at the top of your water heater could reveal signs of corrosion. If you can see corrosion at the connection between the steel and copper fittings, this could be an indication that galvanic corrosion is occurring.

Prepare for Severe Weather in Advance

Property owners and residents alike can take steps to prepare for hurricanes and windstorms.

Never Leave a Grill Unattended While In Use

Every year, property is damaged due to grilling negligence. Always paying attention to a lit grill is the first step in preventing these accidents.

Inspect Your Property Regularly for Damage that Could Cause Leaks

As a property owner, it’s your responsibility to make sure the building is safe. Take the time each spring to look for roof or window damage that can cause leaks.

Understand the Impact Solar Panels Can Have on Your Building

Considering roof-mounted solar panels? Be aware they may impact how firefighters deal with a fire in your building. A detailed pre-emergency plan covering a fire situation in those buildings should be developed and reviewed, as appropriate, with the local fire brigade.

Obtain a Current COI from Every Contractor Who Works for You

Property owners/managers can be held liable for wrongful acts committed by a contractor even though the owner/manager may have no direct fault for the act. Having a Certificate of Insurance for every contractor can help reduce your liability.

Use a Roof Rake to Clear Snow

As snow melts along the roof of a home or building, it may refreeze along the eaves of the roof to form a ridge of ice, known as an ice dam. These can cause serious damage. Prevention is key.

Check Your AC Unit Before the Summer Heat

As summer approaches, test your air conditioning system. The first hot day is the worst day to find out it’s not working!

Building Lifecycle (Builders Risk)
Building Lifecycle (Builders Risk) - One Product for Your Building’s Lifecycle

When a large multifamily housing or commercial property construction project begins, there’s a lot to think about. Typically, throughout each stage of your new building’s life, customers need a different type of insurance. Needless to say, things can get complicated. So, we’ve developed a product to make things a bit simpler. Building Lifecycle (Builders Risk) allows them to obtain ONE policy for the entire lifecycle of their building.

Millers Mutual - Building Lifecycle Combines Builders Risk, Inland Marine, and Businessowners Coverage

Throughout each stage of a new building’s life, different types of insurance coverage are needed. With a combined policy, juggling those needs doesn’t have to be so complicated.

Millers Mutual - One Product for the Life of Your Building

From ground-breaking until construction wraps, your building needs coverage. The Building Lifecycle (Builders Risk) product combines multiple policies into one, making complicated coverage simpler.

Millers Mutual - Building Lifecycle (Builders Risk) from Millers Mutual

Our Building Lifecycle (Builders Risk) policy combines multiple policies into one including Business Income with Extra Expense, Equipment Breakdown and General Liability.

Businessowners Policy (BOP)
Businessowners Policy (BOP) - We Know Multifamily Housing

Though we are focused on a challenging class of business to write, our knowledge of the multifamily housing space allows us to adequately assess and prepare for that risk. We take the time to learn from property owners and managers, acquiring more insight used to develop product enhancements our customers need.

Businessowners Policy (BOP) - Building Ordinance and Law Coverage

What is building ordinance and law coverage? And do you need it?
Your property might be insured for replacement cost, but if new laws come into play after your original property was built, it may cost you more to repair your property to bring it up to code. Some policies exclude the increased cost of construction due to new laws or city ordinances. Check with your Millers Mutual insurance agent today to make sure you’re covered.

Businessowners Policy (BOP) - Bop vs Dwelling Fire Policy

What are the benefits of insuring your dwelling rental property on a businessowners policy (BOP) v. a dwelling fire policy? One of the main benefits is having a $1,000,000 liability limit on your property v. a typical $300,000 limit on a dwelling fire policy. Another benefit with a BOP is providing separation between your businessowners policy and your personal homeowners policy. Should someone sue, having your business on a BOP instead of a dwelling fire provides you added protection.

Ask the Right Questions

As a property owner of multifamily housing or dwelling rental properties, do you know what insurance coverages are suggested for your situation? We do and we can help you to ask your agent the right questions to get what you need.

Should You Choose a BOP

Insuring your dwelling rental property with a businessowners policy (BOP) rather than a dwelling fire policy has some benefits. We can help you understand the difference between these policies.

Social Media-Library-We-Love-Buildings-4-Stories-or-Fewer-

Do you own a building four stories or fewer? That’s right in our sweet spot!

We Insure Buildings Down to One Unit

The industry standard for writing a dwelling is 3 units or more, whereas Millers will write a 1-unit dwelling.

Protect Your Business with a BOP

As a business owner, there are many things to consider when it comes to insurance. Having appropriate coverage can save the day when a loss occurs.

Your Parking Garage or Lot Needs Coverage Too

Coverage for parking garages and lots are not included in standard BOPs. The Millers Mutual BOP can cover your parking area for an adjusted premium.

Add a Property Manager to Your Policy

At Millers, we can include Real Estate and Property Managers on a primary basis, as long as they are performing duties on behalf of the named insured.

Commercial Umbrella
Commercial Umbrella - 40 Percent of Businesses Never Reopen after a Disaster

Your client’s insurance will most likely protect their company against a minor misfortune, but it may not give them the protection they need to survive a lawsuit—especially with lawsuits occurring at an alarming frequency. Consider commercial umbrella coverage.

Is Umbrella Coverage Right For You

Umbrella coverage provides affordable protection against catastrophic losses by picking up where your other policies leave off.

A Commercial Umbrella Policy Covers Catastrophic Losses

If you are responsible for damages that exceed the limits of your primary policy, commercial umbrella coverage can cover the rest.

Commercial Umbrella for the Biggest Losses

Commercial umbrella insurance, also known as excess liability insurance, picks up when your primary policy hits its limit.

Protect Your Business From Large Losses

Without Umbrella coverage, you are responsible for damages that exceed the limits of your primary policy.

Data Response & Cyber Liability
Data Breach Costs Can Add Up Fast

When a data breach occurs, the average cost is $148 per record. It may not seem like a lot on its own, but the costs can add up. How many records do you maintain?

Small Does Not Equal Safe

Large corporations often have higher cyber security budgets that allow them to be better protected and hackers know this. That could be why 58% of data breaches happen to small businesses.

Can Your Business Withstand a Cyber Data Breach

Roughly 50% of small businesses have reported a data breach over the past year. Even more have reported being hit by a cyber attack.

A Cyber Breach is 2.5x More Costly that a Physical Burglary

Most businesses insure against risks like fire, liability or a burglary, however many have not purchased data response and cyber liability insurance. This can leave your business exposed to a major financial blow if your systems are breached.

75% of Small Businesses Have No Budget for Cyber Security

Cyber security costs are a budget line item you cannot afford to skip. Make data response and cyber liability insurance part of your security plan so that in the case of breach, your risk is minimized.

Would Your Business Survive?

More than half of the small businesses that experience a data breach close within 6 months. Without a cyber liability insurance policy to help cover the costs associated with a breach, how long would your business stay open?

Do You Have an Extra $36,000 Lying Around

The median cost of a data breach to a small business is $36,000. Without data response and cyber liability insurance in place to help mitigate that cost, can your business withstand the hit to the budget?

Cyber Data Breaches are Expensive

A cyber data breach can create many expenses: breach response, defense, regulatory fines and penalties, business interruption and more. You can’t afford to skip data response and cyber liability coverage.

Protect Your Business with Cyber Liability Insurance

Cyber liability insurance protects your business against costs associated with data breach response services, regulatory fines and penalties, website media liability and more.

Would Your Business Survive an Interruption of Service?

If a cyber criminal attacks your business causing data loss or interruption of services, a cyber liability policy can help protect you financially.

Is Cyber Protection in Your Budget

75% of small businesses have no budget for cyber security. Having insurance isn’t a replacement for that, but it’s a critical piece of protection businesses need.

Employment Practices Liability (EPL)
Employment Practices Liability - Consider EPL Insurance

This coverage isn’t just for protection against employees. Our policy also provides third-party protection in the event of tenant discrimination when a current or prospective tenant sues.

Follow HUD Guidelines to Avoid a Discrimination Lawsuit

When completing background checks on potential residents, follow the guidelines set forth by the Department of Housing and Urban Development to avoid a discrimination lawsuit.

Add Third Party EPLI

In 2016, the Department of Housing and Urban Development (HUD) said refusing to rent based on a criminal record is a form of racial discrimination because of the racial imbalances in the United States justice system. Property owners and managers can protect themselves by adding third-party coverage to their Employment Practices Liability policies.

Anyone Can Sue. Employees, Vendors, Even Residents

EPL Insurance can provide coverage for lawsuits filed by employees, vendors, customers, and even residents. Are you protected?

Secure EPL Insurance Coverage

No matter how big your company or how well you manage your business, an employee, customer, or vendor can allege anything at any time. Employment Practices Liability Insurance can help cover the costs associated when someone files a charge against your business.

Implement a Zero Tolerance Policy

Avoid sexual harassment claims by implementing a zero tolerance policy and demonstrating accountability for all staff.

Protect Your Business From Expensive Legal Claims

Employment Practices Liability (EPL) Insurance can help cover costs associated with claims made against your business of discrimination based on age, race, gender, color, national origin, religion, disability, pregnancy, and more.

What Will You Do If an Employee Sues

Employees can sue for a number of reasons including wrongful termination, harassment, failure to promote, and retaliation. All claims must be defended, even unfounded ones, and EPL Insurance can help with those costs.

Train Your Employees to Avoid Lawsuits

Training your employees on the types of actions that could be deemed discrimination is an important step toward avoiding a lawsuit.

Protect Your Business with EPL Insurance

Liability damages from a discrimination or harassment lawsuit can cost an employer tens of thousands of dollars. An Employment Practices Liability Insurance policy can help mitigate the risk.

Equipment Breakdown
Equipment Breakdown - Add Equipment Breakdown Coverage

Apartment buildings face a variety of equipment breakdown exposures and displacing tenants during a breakdown is a major concern. Proper maintenance of the low-water cutoff device on a boiler is a critical element in reducing boiler losses at apartments. Whether or not apartments have boilers, they certainly all have insurable equipment breakdown exposures. Ask your insurance agent today how you can add equipment breakdown coverage to your businessowners policy to protect your property from common equipment breakdowns.

Equipment Breakdown - Consider Equipment Breakdown Coverage

Wondering if you should have equipment breakdown insurance on your businessowners policy for your rental property? Here’s an example of a common equipment breakdown scenario. An electric meter assembly for a 30-unit apartment building sustained electrical damage due to an internal event. This resulted in a surge that damaged the fire alarm panel and miscellaneous outlets in the building. The property damage totaled $14,500. This could have been a covered loss if equipment breakdown coverage was added to the apartment building’s insurance policy.

Flood Insurance
All It Takes Is an Inch

One inch of water can cause more than $25,000 worth of damage to a home. Flood insurance may be right for you.

Floods Can Happen Anywhere

Think you’re in the clear just because your building isn’t located in a high-risk flood zone? Think again. More than 20% of claims come from properties outside of high-risk flood zones.

Know Your Flood Coverage

There are two types of commercial flood insurance: Building Property, which covers the physical building and some systems inside like the AC equipment, and Personal Property, which covers the contents like rugs, furniture and fixtures.

Yes, You Do Need Flood Insurance

Floods are the most common natural disaster and most standard insurance policies don’t cover flood damage.

Floods are the Most Expensive Type of Natural Disaster

Many believe that property insurance will cover the cost to repair or replace items damaged in a flood. However, this is generally  not the case. Even if you’re not in a flood zone, you could be at risk.

Don't Risk It. Consider Flood Insurance

A businessowners policy (BOP) can include coverage for many different risks and liabilities. One thing it doesn’t usually cover, though, is flood damage. Even if you’re not in an area prone to flooding, surprises do happen!

Do You Know What Your Flood Policy Covers

Commercial flood insurance covers more than just your physical building. Air conditioning equipment, furnaces, water heaters, and other building systems are generally included.

Do You Think It Won't Happen to You?

Nearly 20% of all National Flood Insurance Program claims happen in low or moderate flood risk areas.

Secure Proper Coverage

Make sure your commercial flood policy provides coverage for personal property owned by the business, such as furniture and structures, stock, carpets and rugs, washers and dryers, and more.

For Millers
For Millers - Reassurance When You Need It Most

In the wake of an accident, an insurance policy should provide a source of solace. Without an insurance 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. Our deep understanding of the exposures endemic to the niche means thorough coverage for property owners—and reassurance amid the anxiety of emergencies.

For Millers - Holistic and Stable Coverage

At Millers, we inspire confidence in agents who know our steadfast devotion to the multifamily space means holistic, stable coverage. We’re smaller and nimbler than some of the other P&C insurers out there, which means we can offer more of what our agents really need: creative solutions, flexible underwriting, compassionate service, and deep expertise.

For Millers - Devotion to Multifamily Housing

At Millers Mutual, our steadfast devotion to multifamily housing means our customers have stable, comprehensive coverage that protects their properties from year to year. If you’d like to find an independent insurance agent that works with Millers Mutual Insurance, please feel free to visit our Find an Agent page.

For Millers - Coverage You Can Depend On

Our unwavering commitment to the multifamily housing industry results in consistent, holistic coverage agents and insureds can depend on. We are a source of confidence for our agents and of calm for our insureds in difficult times. If you’d like to find an independent insurance agent that works with Millers Mutual Insurance, please feel free to visit our Find an Agent page.

For Millers - Join Our Team

In the aftermath of the unforeseen, our agents 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 Mutual employees. If this sounds like you, we’d love to know more about you!

For Millers - Targeting the Multifamily Housing Industry

Carriers bouncing in and out of the habitational market can make things difficult and create more work for insurance agents. Millers Mutual is a niche property and casualty insurer targeting the multifamily housing industry in the small business space and we are here to stay! If you’re looking for a reliable carrier in the multifamily housing niche, we’d love to hear from you.

For Millers - Riverside Brokerage Services

Riverside Brokerage Services is a wholly owned in-house brokerage of Millers Mutual with two main objectives. The first is to provide Millers Mutual agency partners access to additional products and programs that complement our Businessowners Policy (BOP) by helping to improve retention, risk profiles and book profitability. Additionally, Riverside Brokerage Services provides access to Millers Mutual products for agents without a direct appointment with Millers. Learn more about the various products we offer through Riverside Brokerage.

For Millers - Join Our Team - We Are Hiring

We are hiring! In the aftermath of the unforeseen, with Millers Mutual as their partner, agents 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!

Appointing Agents - We Understand Multifamily Property Concerns

Multifamily property has unique concerns. Millers Mutual works with passion to provide the tools to help you and your clients build the strongest business possible. Learn more about the products we offer to protect our customers’ assets.

Appointing Agents - We have a Culture of Compassion

At Millers Mutual, our team gives agents the consistency their business demands and the confidence they can stake their relationships on. Our deep investment in our people has created a culture of compassion that sharpens our focus and spills into our relationships with agents and insureds.

Appointing Agents - Today, Tomorrow, and for Years to Come

With many carriers being unreliable in both appetite and approach to pricing, our agents can depend on us because of our singular commitment to multifamily housing. Not only will we be here today, tomorrow, and for years to come, but we continue to provide new products and services to best protect our insureds.

Appointing Agents - Become a Millers Mutual Independent Agent

Your customers need answers and assurance, not a policy drafted by a computer. Millers Mutual relies on human experiences steered by insight and compassion to meet owners’ needs. If you are interested in learning more about becoming a Millers Mutual independent agent, check out our Become an Agent page on our website. We are currently looking for agents to represent us in Ohio and North Carolina.

Millers Mutual Appetite
Millers Mutual Appetite - We Are Here Year After Year

Carriers exiting the multifamily housing space can leave property owners without coverage year to year. With steadfast commitment to the multifamily housing market, Millers Mutual provides lasting, comprehensive coverage to our customers year after year.

Millers Mutual Appetite - More than a Century of Experience

Millers Mutual has more than a century of experience and understands what it takes to protect and empower business owners. We’re your niche property and casualty insurer today, tomorrow, and for years to come.

Millers Mutual Appetite - We Understand What it Takes

In 1890, when a group of small business owners needed coverage for their mills, they couldn’t turn to the big-city insurance companies to understand their specific needs. With over a century of experience, we understand what it takes to protect and empower business owners.

Millers Mutual Appetite - We Don't Shy Away From Claims

Filing a claim can be a time of extreme despair for insureds. Under high amounts of stress already, insureds need a carrier they can depend on and their agents know who those carriers are. Millers Mutual is the niche property and casualty insurer that doesn’t shy away from its claims. We courageously do what’s necessary to ensure agents become a reassuring force in the lives of their clients.

Millers Mutual Appetite - We Are Here to Stay

Tired of carrier disruption in the habitational market? Millers Mutual is a niche-focused, commercial insurance provider targeting the multifamily housing industry in the small business space and we are here to stay!

Millers Mutual Appetite - We Are Focused on the Habitational Market

Agents rely on us because our singular commitment to the habitational market makes us reliable in both appetite and approach to pricing.

Millers Mutual Appetite - We Insure Apartment Buildings

We have deep expertise in insuring apartment buildings and rental properties.

Millers Mutual Appetite - We Insure Down to One Unit

Most carriers won’t insure rental dwellings smaller than three units, but Millers Mutual will!

Millers Mutual Appetite - Are You a Commercial Property Owner

Our target customers are commercial property owners investing in real estate with as few as one, or a portfolio of many, habitational properties which are four stories or less in height and $5 million or less in value.

Millers Mutual Appetite - Mixed-Use Occupancy Buildings

We insure mixed-use occupancy buildings with retail space on the ground floor and apartments above.

Millers Mutual Appetite - Insuring Apartment Buildings Is What We Do

Multifamily housing written on a Businessowners Policy is intrinsic to who we are and what we do best. We have a deep knowledge of this class of business.

Millers Mutual Appetite - We Insure Student Housing

Working with an expert insurance carrier is key in ensuring a student housing investment property is protected. We specialize in insurance for off-campus, privately-owned student housing buildings.

Millers Mutual Appetite - Row Homes Are a Piece of History

At Millers Mutual, we understand and appreciate the complexities of rowhomes. The subtle differences between a rowhome and a dwelling lend itself to different kinds of risks such as the type of roof and composition of the walls.

Millers Mutual Appetite - Senior Independent Living

As experts in the habitational market, we can help you insure your senior independent living building.

Millers Mutual Appetite - We Insure Affordable Housing

At Millers Mutual, we choose to be a part of the affordable housing solution. And because this type of building fits nicely into our appetite’s sweet spot, we’re primed to insure affordable housing buildings.

Millers Mutual Appetite - We Are Focused on What We Do Best

We offer property and casualty (P&C) insurance solutions for multifamily housing and dwellings, commercial real estate and affordable housing. This concentrated focus allows us to enhance our breadth and depth of expertise and appetite in our target classes.

Millers Mutual Appetite - Do You Invest in Habitational Properties

Our focus is on habitational properties that are four stories or less in height and $5 million or less in value, and we have an enhanced knowledge of this target market.

Millers Mutual Appetite - Products That Keep Up With Today's Environment

We offer a suite of products aimed at protecting multifamily housing and dwellings. We’ll thoroughly assess each unique situation to develop creative, comprehensive, cost-effective insurance solutions that make sense.

Millers Mutual Appetite - PA DE MD NC OH VA DC

Millers Mutual, based in Harrisburg, Pennsylvania, is a regional property and casualty insurer serving commercial policyholders in Pennsylvania, Delaware, Maryland, North Carolina, Ohio, Virginia and Washington, D.C., through a network of independent agents.

Millers Mutual Appetite - Deep Expertise and Creative Underwriting

Multifamily housing and commercial real estate are what we know and do best, and where we have the most experience and greatest expertise. This helps provide you with a competitive advantage for property and casualty coverages.

We're Here to Serve You

Did you know Millers Mutual serves commercial policyholders in Pennsylvania, Delaware, Maryland, North Carolina, Ohio, Virginia, and Washington, D.C.?

Learn More About Riverside Brokerage

Through our wholly-owned in-house brokerage, Riverside, Millers Mutual offers insurance products such as Workers’ Compensation, Property Damage Liability, Commercial Auto and more!

Learn What Millers Has to Offer

We cater to apartment buildings of four stories or fewer, garden style apartments, and dwellings of one to four units.

Optional Coverage Enhancements
Extended Replacement Cost Endorsement

We know sometimes costs can run over when rebuilding or replacing damaged property. That’s why we provide a cushion of up to 25% with our Extended Replacement Cost Endorsement.

Renters Insurance
Renters Insurance - Implement a Renters Insurance Requirement

As a landlord, you know you need to have insurance on your building, but you may leave the decision to buy renters insurance to your tenants. After all, it benefits them and not you, right? While it’s true that renters insurance does benefit tenants, the fact is there are good reasons for landlords to require their tenants to obtain this coverage. We’ve compiled a list of the top reasons you should implement a renters insurance requirement for your tenants, as well as talking points for explaining how it benefits your renters.

Renters Insurance - Only 30% of Renters Obtained Renters Insurance

Only 30% of renters obtained renters insurance in 2017. As a landlord, you can gain the security and peace of mind that comes from knowing your assets and tenants are protected with a renters insurance product made for multi-dwelling units, property managers, and their tenants. Tenants are approved through a non-underwritten and streamlined process, with no social security or credit checks needed. And an online portal provides easy access to update renter information and track renters insurance policies, removing the hassle for you, the busy landlord.

Renters Insurance - Discuss Renters Insurance During the Tenant Interview

Gain the security and peace of mind that comes from knowing your assets and tenants are protected with a renters insurance product made for multi-dwelling units, property managers, and their tenants. The best time to discuss the benefits of renters insurance is during the tenant interview process. Feel free to use our resource, How to Talk to Tenants About Renters Insurance, to help you open that conversation with tenants.

Encourage Tenants to Buy Renters Insurance

Many renters believe a renters insurance policy will only benefit their landlord, so they do not obtain one. However, what renters don’t always understand is that the landlord’s insurance doesn’t cover their personal belongings, resulting in disputes between property owners and tenants.

Require Tenants to Purchase Renters Insurance

If a tenant’s guest is injured on your property, they may look to you for liability. Avoid legal disputes and uncomfortable interactions by requiring tenants to purchase renters insurance.

Don't Pay for Tenant Caused Damages

If a tenant damages a rental unit, a claim can be filed against their renters insurance policy rather than the landlord’s property insurance. This protects the landlord from having to pay a deductible or potentially higher premiums.

Who Pays the Price for Resident Caused Losses

Don’t get burned by a resident’s negligence. Consider requiring tenants to have renters insurance that covers losses caused by residents such as through fire, smoke, explosion, water discharge, and sewer backup.

Protect Yourself from Resident-Caused Losses

When a resident causes damage to your property, you can be left paying for repairs. Insisting your tenants have renters insurance can help protect you from these losses.

Require Tenants to Obtain Renters Insurance

Renters insurance can cover the costs of damage to the property caused by the resident. For this reason, requiring renters insurance is in every property manager’s best interest.

Risk Control
Risk Control - Insurance Landlords Need

Being a landlord can be rewarding and profitable, but it does come with risks. One major risk you are up against is purchasing the right amount of insurance coverage for the right price. But what kind of coverage should you purchase? Here are the top 8 coverages we recommend for multifamily housing and rental dwelling property owners.

Risk Control - Are You Prepared for Winter Challenges

Being a landlord during the winter months comes with a set of unique challenges. Between periods of low demand, cold weather damage, and traveling tenant woes, you may find yourself with hardships that cut into your profit. Here are 5 of the most common challenges for landlords and how you can overcome them.

Risk Control - Implement a Snow Removal Plan

One of the biggest challenges landlord’s face during winter is the removal of snow and ice, which can cause accidents and injuries. Prevent injuries and minimize injury costs by implementing a snow removal plan for your rentals. You can start with placing weather mats at the entrance to the property and create an ice and removal log to keep track of your properties. Make sure you stick to it, too.

Risk Control - Prevent Cooking Fires

We all are guilty of it from time to time. Most of us do this multiple times a day and it’s bound to happen occasionally. Your kids are fighting in the other room, so you leave the stove unattended for just a minute to calm things down. Or you take a quick phone call or watch the cat video your sister just sent you. The problem is it only takes a second for a cooking fire to ignite. At Millers, we’ve partnered with Pioneering Tech to provide SmartBurner at a discounted price to our customers. SmartBurner saves people, property and money by controlling the heat so that the only thing getting cooked is your food. Not the kitchen and not the building.

Risk Control - Prevent Rental Property Fires

Fires are among the most common disasters in the United States. On average, United States fire departments respond to a fire every 24 seconds. We’ve come up with a few easy tips you can use to help prevent disastrous fires in rental properties.

Risk Control - Don't Get Left Exposed

Don’t get left exposed in your moment of need. Millers Mutual’s singular focus provides confidence in a complex business. Turn your client’s moment of dread into a moment of relief. We’ve compiled a list of the most common claims for property owners and how they can mitigate common risks.

Risk Control - Protect Your Building During the Hurricane Season and Beyond

Hurricane season officially starts on June 1 and officially ends on November 30 each year. However, storm formation is possible at any time. For a landlord, rental property is one of your largest investments, so protecting it from natural disasters is probably one of your top priorities. Now is a great time to prepare before the storm strikes.

Risk Control - Prepare Now for Hurricane Season

Your rental property is one of your largest investments, so protecting it from natural disasters is probably one of your top priorities. Now is a great time to prepare before the storm strikes.

Risk Control - Prepare Safety Tips

Cooking fires remain the #1 cause of residential structure fires. Provide tenants with tips on safe cooking, enforce a no smoking policy, and install stovetop fire mitigation devices. Perform periodic checks of all heating equipment and systems to catch a problem before it’s too late.

Prevent Costly Sewer Backups

A sewer backup can cause thousands of dollars in damage to everything from floors, walls, furniture, electrical units, and much more. Educate tenants on properly disposing of grease and paper products to avoid clogging and costly claims. Learn other claims prevention tips here.

Maintain Your Property to Avoid Claims

Uneven pavement, potholes, and large cracks can lead to trips and falls on the property. Owners have a duty to take reasonable steps to protect people from known hazards.

Turn Up the Heat

When the temperature dips, instruct tenants to turn up the heat to avoid frozen pipes, and open closet or cabinet doors to let the heat reach vulnerable pipes.

Whats Your Claim Prevention Strategy

When it comes to rental properties, you’re bound to have claims from time to time. However, there are things you can do to lower your risk. Learn more with Millers Mutual.

Have a Safety Plan

Storms and weather-related damage to property can be devastating. Have a safety plan and enact it to protect your property as soon as weather threats arise.

Prevent Vandalism on Your Property

Prevent vandalism on your property by installing security lights. Also, planting shrubs and bushes near the property can ward off potential vandalism.

Risk Control Managing Contractors

Property owners should require contractors to add them as an additional insured under the contractor’s general liability policy.

3 Important Contract Must-Haves

From a risk transfer perspective, indemnification, hold harmless and insurance clauses are three important requirements in contracts with contractors.

Verify the Named Certificate Holder

When reviewing a contractor’s insurance information, verify that the contractor is the named certificate holder and not the property manager.

Monitor and Track Every COI

Create a procedure to monitor and track Certificates of Insurance.

Student Housing
Student Housing Insurance From Millers Mutual

Student Housing is a profitable segment of the multifamily housing industry. The trick is to minimize risk when renting to college students to protect your investment. Choosing the right insurance agent and carrier with expertise in this niche will ensure your property has the right insurance so you can retire financially comfortable. Find a Millers Mutual Independent Agent today to get started.

Protect Your Student Housing Investment Property

Are you a property owner worried about the risks associated with renting to college students? There are several steps you can take to protect your investment property. Our underwriting experts at Millers Mutual will ensure you have the right coverage to protect your investment.

We Understand the Student Housing Market Segment

Student housing should be approached differently than typical rental properties when it comes to insurance. At Millers Mutual, we’ve taken the time to understand this market segment and created a product that best protects the landlord. Find out more about our student housing coverage today.

Unique Coverage for Your Off-Campus Student Housing Property

Do you own an off-campus student housing property, such as a small apartment building or dwelling? If so, we have an insurance program that provides unique coverage for this type of risk. Let us help you protect your investment so you can retire financially comfortable.

Coverage for the Unique Risks of Student Housing Properties

If you house students, a typical apartment building policy won’t protect you against everyday risk. There is a separate set of complex rules when students are tenants. Our student housing insurance product provides unique coverage solutions for owners of student housing properties–coverage that ensures your investments are protected.

Minimize the Risks Associated With Student Housing

Some people are hesitant to invest in student housing because they fear the worst: high turnover, reliability of first time renters, and increased risk of property damage to name a few. But by premeditating these potential risks, investors/landlords can protect investments while obtaining dependable cash flow. We have compiled a list of ways to minimize risks associated with student housing to help you protect your investment.

Get the Right Insurance for Your Student Housing Property

When it comes to finding insurance for a landlord who rents to students, some insurance agents might turn to an excess and surplus insurance carrier to protect the investment. But at Millers Mutual, we specialize in this niche and provide the right amount of coverage for the right cost.

Protect Your Student Housing Property While Its Vacant

Student Housing properties have frequent periods of vacancy. If your student housing property is vacant for 30 days, our Lifecycle Vacancy Endorsement, which is automatically included in the policy, will kick in and protect your investment.

Student Housing Coverage That Protects Landlords

At Millers Mutual, we have taken the time to understand the Student Housing Market and created a product that best protects landlords. Find out more about our student housing coverage today.

Tenant Screening
Tenant Screening - SmartMove Works for Landlords and Tenants

Screening tenants used to be just for large professional property management companies. It’s easy to understand why: Pulling certain types of tenant background checks like tenant credit reports isn’t possible for most individuals. With SmartMove, a landlord can run an online tenant credit check, eviction history, and criminal background check in minutes. Learn all about how this product may be right for you.

Tenant Screening - Tenant Screening with SmartMove

We’ve partnered with Transunion to provide our insureds with SmartMove, a convenient tenant screening service for people who don’t manage hundreds of properties. In a nutshell, SmartMove allows rental history reports to be delivered to landlords while protecting consumer information in a manner consistent with the Fair Credit Reporting Act and applicable regulations. Learn more about how SmartMove helps landlords pick the right tenant for their property.

Tenant Screening - Assisting Landlords to Screen Tenants

A landlord credit check is an important step to evaluate an applicant. Our product, SmartMove, helps you better assess an applicant’s risk. Use credit checks designed for tenant screening and find high-quality tenants faster with SmartMove screening services provided through Millers Mutual.

Tenant Screening - SmartMove Works for Landlords and Tenants

A landlord credit check is an important step to evaluate your applicant and often a pain point for landlords. Our solution, SmartMove, is great for both landlord and tenant. Renters like our solution because we help them get the rental they want while making them feel comfortable in sharing their personal information in a convenient, online solution. And landlords enjoy the pay-as-you-go tenant screening, allowing you to pay only for the reports you need. The best part–you can get started with SmartMove today!

Third-Party Products and Services
Smoke Detectors Save Lives

Three out of every five home fire deaths occurred in homes without working smoke detectors, or with no smoke detectors at all. Are your residents protected?

Install Automatic Fire Suppression Products

Accidents happen. Cooking fires remain the #1 cause of residential structure fires. Millers Mutual offers 20% off MSRP for a variety of automatic fire suppression products to help protect your property.

Install Sprinkler Systems to Slow the Spread of Fire

Did you know that sprinkler systems can help stop a fire from spreading and decrease the fire death rate by 81%?

Install Safety Burners in All Units of Your Property

Cooking oils ignite at 750o F. Regular electric coils can reach 1400o F. Consider installing safety burners on all stoves to help protect your property. Millers Mutual offers a discount on a variety of fire suppression products.

Vacant Property Coverage
Don't Leave Your Vacant Property Uninsured

While your vacant dwelling is waiting for new renters, or simply waiting, you can rest assured it’s properly protected with vacant property coverage available through Millers Mutual.

Even Vacant Properties Need Coverage

Whether a property is empty during resident transitions or renovations, don’t leave it uninsured.

Insure Your Vacant Property

When your property is vacant due to tenant transitions or renovations, Vacant Property Coverage can help lower your risk.

Workers' Compensation
Workers’ Compensation - Don’t Dismiss Workers’ Compensation

Rental property owners today face many risks and exposures that are not covered in businessowners policies, which accounts for millions of dollars in uninsured claims each year. One of those coverage gaps tends to be workers’ compensation. Don’t let your multifamily housing clients be too quick to dismiss workers’ compensation insurance at your next BOP renewal. Help your client stay in business by recommending a workers’ compensation policy today.

Is Your Workers' Compensation Plan Proactive?

A proactive Workers’ Compensation plan including early intervention and disability management can benefit your loss experience and help keep your costs down.

Manage Your Workers' Compensation Risk

Workplace injury prevention is key, but even the most well-run enterprises can experience an accident. Workers’ Compensation can help manage that risk before and after a loss.