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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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?
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?
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.
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.
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.
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.
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.
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.
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.
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!
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.
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.
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.
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.
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!
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.
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.
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!
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.
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.
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.
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.
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. https://millersmutualgroup.com/resources/blog/offer-your-multifamily-housing-customers-relief-and-reassurance-with-niche-property-casualty-insurer/
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. https://millersmutualgroup.com/resources/blog/offer-your-multifamily-housing-customers-relief-and-reassurance-with-niche-property-casualty-insurer/
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.
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.
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, 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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!
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.
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.