ABOUT US
Michigan Millers is a mutual insurance company that has been protecting policyholders since 1881. We are a regional carrier headquartered in Lansing, Michigan, with our specialty division, Specialty Insurance Solutions, located in Madison, Wisconsin.
As our tagline, “Backing the Best in Business,” reflects, we are dedicated to delivering tailored insurance solutions for commercial and specialty policyholders. Through our trusted network of independent insurance agency partners in Michigan and New York, we offer a comprehensive range of products and services to safeguard your business.
Our Specialty Division operates with the belief that “Your Business is Our Specialty.” Now serving ten states—Michigan, New York, Minnesota, Washington, Oregon, Idaho, Utah, Illinois, Montana, and Wisconsin—this division is focused on providing reliable specialty coverage. The recent expansion into the Northwest, Illinois, and Wisconsin is underwritten on Western National paper and assumed by Michigan Millers.
Michigan Millers is an affiliate of Western National Insurance Group, a super-regional group of property-and-casualty insurance companies. The Group writes business through five active insurance companies—Western National Mutual Insurance Company, Western National Assurance Company, Pioneer Specialty Insurance Company, Umialik Insurance Company, and American Freedom Insurance Company — and is affiliated with Michigan Millers Mutual Insurance Company. Together, the affiliated Group writes over $1 billion in personal and commercial direct premium in 20 states across the Northern, Midwestern, and Western U.S. as well as in Alaska; and surety bonds in 43 states. All of the companies’ products are sold exclusively through professional independent insurance agents.
Our commitment is to serve our agents and policyholders in a way that never fails to exceed their expectations.
Use our Find an Agent tool to search for an independent insurance agent offering any of our products near you.
OUR MISSION
To act with integrity in the service of others.
We will achieve this mission by maintaining financial strength and establishing lasting relationships with people and businesses who share these attributes with us:
- A passion for business and life
- A desire to serve others in need
- Adaptability to a changing world
- A strong sense of humility and humor
At Michigan Millers, we understand the importance of having a brief yet memorable mission to guide us today and into the future. We believe the mission described above serves to endorse our past while providing quality guideposts for the present and the years ahead.
Our Core Values
- Connectiveness
- Empowerment
- Accountability
OUR HISTORY
Michigan Millers was founded in 1881 by a group of flour mill owners as the Michigan Millers Mutual Fire Insurance Company, becoming one of the first millers' cooperative fire insurance companies in the U.S. Its first policy was issued in October 26, 1881.
Over the decades after its founding, Michigan Millers Mutual Fire Insurance Company grew and expanded its insurance offers. It was renamed Michigan Millers Mutual Insurance Company, the name we carry today, in 1954 to symbolize our steady, consistent growth since our founding.
In 2015, we joined Western National Insurance Group as an affiliate, giving us access to resources that increase our financial strength and stability so we can better serve our customers.
Today, Michigan Millers is proud to serve our independent agency partners and policyholders across Michigan, New York, and Minnesota, writing commercial and specialty lines. Currently rated A (Excellent) by A.M. Best with a stable outlook and backed by the finest resources available to us through our affiliation with Western National Insurance Group, we continue to fulfill our committment to service our agents and policyholders in a way that never fails to exceed their expectations.
OUR GROUP
Michigan Millers is proud to be an affiliate of Western National Insurance Group. Being a part of this group of property-and-casualty insurance companies gives us access to financial resources that increase our financial strength and stability so we can better serve our policyholders. Our Group consists of the following regional, standard property-and-casualty insurance companies:
Michigan Millers Mutual Insurance Company (Lansing, Mich.)
Affiliate of Western National Mutual Insurance Company
Umialik Insurance Company (Anchorage, Alaska)
Western National Assurance Company (Seattle, WA.)
Western National Mutual Insurance Company (Edina, Minn.)
The Group also owns non-standard carrier AFIC of Mount Prospect, Ill.
Western National Insurance Group writes personal lines in the following states:
AK, IA, IL*, IN*, MN, PA*, SD, TN*, WI
Western National Insurance Group writes commercial lines in the following states:
AK, IA, ID, IL, MI**, MN, MT, ND, NV, NY**, OR, SD, UT, WA, WI
Western National Insurance Group writes surety in the following states:
AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, WA, WI, WV, WY
Together, our companies have a combined direct written premium of over $1 billion and total assets of over $2 billion.
*AFIC only
**Michigan Millers only
FINANCIALS
We're proud to back our insurance products with outstanding financial stability, which is evident in our strong balance sheet, our Excellent (A) financial rating from A.M. Best. This exceptional level of stability ensures that, even in the worst of disasters, we'll be able to continue providing for your specific insurance needs.
SOCIAL RESPONSIBILITY
Beyond maintaining strong relationships with our customers, we're continually working to reinforce the strength, health, and safety of the communities in which we work and live. We leverage our financial resources and relationships, along with the passion and generosity of our employees, to advance the work of our community partners as they serve and empower people in need.
Michigan is our home and our commitment to our communities is an integral part of the way we do business.
Charitable Contributions
Our Charitable Giving Program supports well-run, tax-deductible organizations in the communities in which we do business. These charities are nominated by our employees, and they aim to improve the lives of people in need of food, shelter, or clothing or those who find themselves in situations where meeting the basic necessities of life is difficult.
Volunteerism
Our commitment to community involves more than simply direct financial support. Our volunteer program makes it easy for employees to get out into the community and help others by providing benefit-eligible employees with one paid day off per year to volunteer their time working with a 501(c)(3) organization (typically a charitable or educational organization).
Annual Scholarship Program
At Michigan Millers, we think it's important to ensure the leaders of tomorrow get the strong education they need today. That's why Michigan Millers launched a scholarship program designed to ease the financial burden that college costs put on the families of our employees and independent insurance agents. The scholarship program provides $3,000 in merit-based scholarships to three eligible students who are beginning or continuing full-time undergraduate study in the fall of that year.