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Apartment Buildings Insurance

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)

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)

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

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)

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.

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.

Millers Mutual Appetite

We're Here to Serve You

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

Learn More About Riverside Brokerage

Nearly 20% of allThrough 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

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 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.

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

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.

Safety First

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

Get Workers' Compensation That's Right for Your Business

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.

Does Your Workers' Compensation Company Help Employees Return to Work?

Getting an injured employee well and back on the job is good for everyone. Your Workers’ Compensation policy should have a program in place to assist with helping employee’s return to work.