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Help yourself to our library of posts designed to be shared on your agency’s platforms. Simply select a category on the left, download a graphic and copy the accompanying text provided. Or, feel free to use text of your own.

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. 

https://millersmutualgroup.com/resources/blog/essential-fall-tasks-for-every-property-owner/

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

https://millersmutualgroup.com/products/apartment-building-insurance/

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

https://millersmutualgroup.com/products/apartment-building-insurance/

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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.

https://millersmutualgroup.com/products/apartment-building-insurance/

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

https://millersmutualgroup.com/products/apartment-building-insurance/

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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.

https://millersmutualgroup.com/products/apartment-building-insurance/

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

https://millersmutualgroup.com/resources/blog/hurricane-and-windstorm-readiness/

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

https://millersmutualgroup.com/resources/blog/helpful-grilling-tips-for-your-mothers-day-celebration/

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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.

https://millersmutualgroup.com/products/apartment-building-insurance/

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

https://millersmutualgroup.com/products/apartment-building-insurance/

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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.

https://millersmutualgroup.com/products/apartment-building-insurance/

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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.

https://millersmutualgroup.com/products/apartment-building-insurance/

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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.

https://millersmutualgroup.com/products/building-lifecycle/

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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.

https://millersmutualgroup.com/products/building-lifecycle/

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

https://millersmutualgroup.com/products/building-lifecycle/

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

https://millersmutualgroup.com/products/business-owners-policy-bop/

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

https://millersmutualgroup.com/products/business-owners-policy-bop/

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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.

https://millersmutualgroup.com/products/business-owners-policy-bop/

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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.

https://millersmutualgroup.com/products/business-owners-policy-bop/

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

https://millersmutualgroup.com/products/commercial-umbrella/

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

https://millersmutualgroup.com/products/commercial-umbrella/

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

https://millersmutualgroup.com/products/commercial-umbrella/

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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?

https://millersmutualgroup.com/products/data-response-cyber-liability/

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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?

https://millersmutualgroup.com/products/data-response-cyber-liability/

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

https://millersmutualgroup.com/products/data-response-cyber-liability/

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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.

https://millersmutualgroup.com/products/data-response-cyber-liability/

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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.

https://millersmutualgroup.com/products/data-response-cyber-liability/

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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?

https://millersmutualgroup.com/products/data-response-cyber-liability/

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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?

https://millersmutualgroup.com/products/data-response-cyber-liability/

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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. 

https://millersmutualgroup.com/products/data-response-cyber-liability/

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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.

https://millersmutualgroup.com/products/employment-practices-liability-epl/

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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.

https://millersmutualgroup.com/products/employment-practices-liability-epl/

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

https://millersmutualgroup.com/products/employment-practices-liability-epl/

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

https://millersmutualgroup.com/products/employment-practices-liability-epl/

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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.

https://millersmutualgroup.com/products/employment-practices-liability-epl/

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

https://millersmutualgroup.com/products/flood-insurance/

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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.

https://millersmutualgroup.com/products/flood-insurance/

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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.

https://millersmutualgroup.com/products/flood-insurance/

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

https://millersmutualgroup.com/products/flood-insurance/

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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.

https://millersmutualgroup.com/products/flood-insurance/

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A business owners 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!

https://millersmutualgroup.com/products/flood-insurance/

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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.

https://millersmutualgroup.com/products/optional-coverage-enhancements/

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

https://millersmutualgroup.com/products/property-damage-liability/

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When a resident causes damage to your property, you can be left paying for repairs. Property Damage Liability Insurance can help protect you from these losses. 

https://millersmutualgroup.com/products/property-damage-liability/

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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.

https://millersmutualgroup.com/products/property-damage-liability/

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

https://millersmutualgroup.com/wp-content/uploads/2018/05/3-Important-Risk-Control-Techniques-for-Managing-Contractors.pdf

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

https://millersmutualgroup.com/wp-content/uploads/2018/05/3-Important-Risk-Control-Techniques-for-Managing-Contractors.pdf

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

https://millersmutualgroup.com/wp-content/uploads/2018/05/3-Important-Risk-Control-Techniques-for-Managing-Contractors.pdf

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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?

https://millersmutualgroup.com/third-party-products-and-services/

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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.

https://millersmutualgroup.com/third-party-products-and-services/

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

https://millersmutualgroup.com/third-party-products-and-services/

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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.

https://millersmutualgroup.com/third-party-products-and-services/

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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.

https://millersmutualgroup.com/products/vacant-property-coverage/

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

https://millersmutualgroup.com/products/vacant-property-coverage/

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

https://millersmutualgroup.com/products/workers-compensation/

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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.

https://millersmutualgroup.com/products/workers-compensation/

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Control Workers’ Compensation costs by preventing injuries in the first place. 

https://millersmutualgroup.com/products/workers-compensation/

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Workers’ Compensation insurance provides coverage for medical expenses, lost wages, vocational rehabilitation, and death benefits when employees are injured, disabled or made ill as a result of work duties conducted on behalf of their employer.

https://millersmutualgroup.com/products/workers-compensation/

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