Come Work With Us
Join a team of skilled and passionate professionals who will value your individuality and encourage your growth and success.
Come Work With Us
Join a team of skilled and passionate professionals who will value your individuality and encourage your growth and success.
Come Work With Us
Join a team of skilled and passionate professionals who will value your individuality and encourage your growth and success.
Our Values
Our deep investment in our people has created an environment of compassion and continuous education that sharpens our focus and spills into our relationships with agents and customers. With a culture that’s defined by trust, humility, autonomy, and passion, we infuse generosity into the very fabric of our operations, from our team to our communities.
Build Trust
Knowing that colleagues have one another’s success and best interests in mind promotes a psychologically safe environment. We count on one another to do what it takes to achieve common goals.
Stay Humble
We have created a culture of servant leadership, which starts with our leaders and is woven throughout the organization. Helping others is at the heart of what we do every day.
Lead From Anywhere
We are empowered to be autonomous in our work. We encourage one another to share opinions, and our perspectives are valued.
Work With Passion
Our singular focus on multifamily housing makes it easy to be passionate about the work we do. Our work revolves around people, not profits: personal relationships are at the core of our success.
See Our Values in Action
Learn how Millers gives back to the communities we serve.
See How We Give Back
Our Employee Benefits
At Millers, the health and wellness of our team is among our highest priorities. We’re committed to providing a competitive employee benefits program that addresses our team’s needs and supports their well-being. We regularly review and modify our employee benefits package to ensure that we offer benefits with the most value for our employees and their families. We offer:
401(k) Plan
Dental, Vision and Medical
Paid Holidays
Paid Time Off (PTO)
Flexible Work Hours
Volunteer Time Off
Birthday PTO
Exercise Reimbursement
Employer HSA Contributions
Our Commitment to Equal Opportunities
Millers Mutual provides equal employment opportunities to all applicants for employment. We do not discriminate against any employee or applicant because of race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), national origin, age, disability, or genetic information.
All are welcome here.
Our Open Positions
Have a passion for helping those around you? Experience a fulfilling career with Millers Mutual,
where you have the opportunity to make a meaningful difference in the communities we serve.
As a Commercial Underwriter at Millers Mutual, you’ll become part of a passionate team that values humility, company-wide leadership, and trust, and sees culture as core to its ability to empower our agents to become a reassuring force in the lives of their customers.
In this role, agents in your territory will depend on you as Millers Mutual is known for our singular commitment to multifamily housing. Our deep understanding of the exposures endemic to the niche means thorough coverage for property owners—and reassurance amid the anxiety of emergencies. You will be responsible for the production, retention and profit of commercial lines business utilizing advanced technical underwriting ability.
In line with our lead-from anywhere philosophy, you’ll be expected to use your sharp decision-making skills to determine risk acceptability and pricing. Furthermore, we ask that you prioritize providing prompt, accurate, courteous, and professional services to our agents and fellow employees. This position requires a person with excellent soft skills including but not limited to negotiating, sales acumen, and organizational skills to generate and maintain effective producer and customer relationships. Additionally, you will collaborate with the underwriting team and leaders to advise on market trends that may need attention.
Essential Job Functions
- Manages a book of business for assigned agencies and is responsible for overall profit and growth of the book. Utilizes all present and future underwriting tools and resources.
- Reviews and underwrites individual applications for new and renewal business for commercial lines accounts within established authority level. Evaluates exposures to loss, determines pricing, and determines acceptability of risk in accordance with company guidelines. Documents details of underwriting decisions, while maintaining all supporting information, records, and data in accordance with audit standards.
- Reviews results of underwriting file reviews, makes needed file/process adjustments and applies lesson-learned moving forward.
- Notifies agencies of adverse decisions, underwriting requirements, status and declinations. Answers questions from agencies, policyholders or other external contacts and escalates issues to management as necessary. Negotiates with agents to reach positive and profitable outcomes.
- Delivers quotes, terms and conditions to the agent. Have ongoing negotiations with the agent until the renewal order is received and then sends the renewal to be processed.
- Orders and reviews inspections and prepares recommendation letters.
- Establishes and maintains effective communication externally (between agents and company) and internally (within the company) regarding underwriting procedures and practices, growth/profit goals and objectives, and agency relations. Travels to visit agencies and customers throughout the year.
- Keeps current on state/territory issues and regulations, industry activity and trends and shares this information with team members, particularly their Underwriting Leader.
- As directed, conducts special studies and projects regarding underwriting procedures and practices. Submits recommendations to improve department results, including coverage, pricing, or competitive issues.
- As requested by the Underwriting Leader, plans, and facilitates the Underwriting Meetings.
- Assists the Underwriting Leader in training and mentoring other underwriting team members.
- Maintain an operating knowledge of Millers’ standardized hardware, software programs, third party software, and processing procedures.
- Performs other functions as assigned to support operations. (e.g. perform risk surveys, takes first notice of loss on catastrophe claims etc.)
Qualifications/Requirements
A minimum of three years of property and casualty commercial lines underwriting experience OR consistent demonstration of success as an Underwriter – Level 1.
- A Bachelor’s degree from an accredited college or university OR commensurate experience.
- Possesses a CPCU, CIC, or AU designation OR is willing to attain one of these designations.
- Demonstrates strong negotiation and sales management skills.
- Strong verbal, written and interpersonal skills resulting in the ability to interact with all employee levels in the organization and with customers.
- Demonstrates strong customer service, organizational and analytical skills.
- Valid driver’s license that conforms to company standards.
As a Commercial Property Field Claims Adjuster at Millers Mutual, you’ll become part of a passionate team that values humility, company-wide leadership, and trust, and sees culture as core to its ability to provide the best possible service for our clients.
In line with our lead-from anywhere philosophy, you’ll be expected to use your sharp decision-making skills to investigate, analyze, and determine the extent of Millers’ exposure concerning property loss or damages and attempt to affect settlement with customers. Furthermore, we ask that you prioritize providing prompt, accurate, courteous, and professional services to our agents, customers, and fellow employees. Additionally, you will collaborate with the claims team, underwriting, forms and product to promote appropriate account-level decisions and continuous learning.
Essential Job Functions
- Properly investigate local commercial property claims involving damage to buildings and structures.
- Assist customers with questions regarding the claim process, procedures and coverage questions
- Interview customer and witnesses to gather pertinent information. Secure evidence. Flag opportunities for subrogation.
- Inspect property damage to determine extent of damages.
- Evaluate all information to determine coverage and how the claim should be resolved.
- Evaluate damages to ascertain proper compensation amount. Ensure accuracy of building estimates, contents inventory, loss of use, and other losses. Flag concerns for internal audit.
- Set and adjust reserves.
- Negotiate with customer to settle claim.
- Issue proper payments
- Maintain proper documentation, including customer files, diary notes, reports, estimates, photos, and diagrams.
- Manage the entire claims process according to statutory requirements, Millers’ authority guidelines, customer contact/response policy, and all other internal standards.
- Participate in a collaborative environment with the underwriting group on exposures with potential accounts.
- Assist underwriting on the service and retention of large and complex accounts local to the office up to and including:
- Location and jobsite visits
- Estimation of property values
- Hazard identification
- Reduction and control recommendations to help avoid claims
- Remediation follow up
- Loss trend analysis and review
- Supervise independent adjusters handling property-related claims in the field.
- Support organizational learning by providing ideas and feedback on lessons learned as well as product, pricing selection, marketing, fraud prevention and claims.
- Remain current with property and claims trends. Participate in continuing education.
Qualifications/Requirements
- High school diploma or GED
- BA/BS Degree or 3 – 5 years of relevant commercial property adjusting
- Currently hold or actively working toward insurance-related designation in CPCU, AIC, etc. a plus.
Join the Millers Team
We’re passionate about serving our clients, developing our professionals, and giving back to our communities. If you’re a committed professional with a passion for delivering unparalleled service, we’re interested in hearing from you.
