Miller & Miller Insurance Agency

What Miller & Miller Insurance Agency does

Miller & Miller Insurance Agency is a privately held, family-owned independent insurance agency headquartered at 400 W San Antonio St, New Braunfels, Texas, serving individuals, families, and small-to-mid-size businesses across Central Texas communities including New Braunfels, San Marcos, and Seguin. Founded in 1984, the agency operates a multi-carrier broker model — placing policies across multiple trusted insurance carriers and earning commissions on personal lines (auto, homeowners, life, health, Medicare, specialty dwelling, pet, powersports, flood, umbrella, high-net-worth), commercial lines (BOP, general liability, commercial property, workers compensation, commercial auto, cyber, bonds, builders risk, business interruption, group benefits), and life & health lines (term/whole life, disability, long-term care, Medicare Advantage/Supplement/Part D). Distribution is conducted exclusively through direct channels: phone, in-person office visits, and website-based quote-request forms, with customer acquisition driven primarily by referrals and word-of-mouth. The agency employs 11–50 staff (approximately 21 named team members with CIC, CLCS, and ACSR professional designations) under multi-generational Miller family ownership and leadership, with Douglas R. Miller II serving as President. The firm does not operate proprietary technology, mobile applications, APIs, or AI/ML capabilities, and explicitly differentiates on local, human advisory service against call-center and digital-only competitors.

The business is revenue-positive in operation but financials are not publicly disclosed; commission revenue is structurally recurring on policy renewals. Approximately 565 clients are referenced as having been helped on the About page, alongside self-reported client satisfaction metrics. The competitive moat rests on switching costs created by bundled multi-policy relationships, decades of community brand presence under the Miller family name, the independent-agency distribution advantage of multi-carrier access, and a credentialed team spanning personal, commercial, life & health, and Medicare specialties. No external investors, parent company, subsidiaries, M&A activity, funding rounds, patents, awards, or regulatory actions are recorded, consistent with the small, founder-controlled profile typical of independent agencies at this scale.

Strategically, the agency has broadened its product surface into Medicare/senior and high-net-worth segments over recent years and continues to extend its service area across the Central Texas corridor from the New Braunfels headquarters, while maintaining a relationship- and referral-led go-to-market with only modest digital channel additions (Facebook, LinkedIn, Instagram, X profiles and website quote forms).

Name

Miller & Miller Insurance Agency

Legal name

Miller & Miller Insurance Agency

Website

https://miller-miller.com

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

11–50 employees

Short description

Miller & Miller Insurance Agency is a family-owned independent insurance agency headquartered in New Braunfels, Texas, placing personal, commercial, and life & health policies across multiple carriers for individuals, families, seniors, and small-to-mid-size businesses across Central Texas.

Ownership category

akta.pro rank

Product category

Insurance Agency

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Individual Health Insurance Brokerage & Distribution (FSAIAEAL), Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)

Keywords

• Independent insurance agency
• Personal insurance coverage
• Commercial insurance brokerage
• Life and health insurance
• Medicare insurance plans

Headquarters

HQ city

New Braunfels

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D

Revenue model

1. Insurance Commissions: As an independent insurance agency, Miller & Miller earns commissions from insurance carriers for policies placed on behalf of clients. Revenue is derived from the sale and ongoing renewal of personal and commercial insurance policies across multiple carriers.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels6 records

Core offering

Miller & Miller Insurance Agency is an independent insurance brokerage that sells personal, commercial, and life & health insurance policies on behalf of clients by comparing and placing coverage through multiple top-rated insurance carriers. Licensed local agents deliver personalized quoting, policy placement, ongoing reviews, and claims support for individuals, families, and small to mid-size businesses across Central Texas. The agency earns commissions from carriers on initial and renewal policies across all three product lines.

Product overview

Miller & Miller Insurance Agency is an independent insurance agency offering a comprehensive portfolio of insurance products across three core categories: Personal Insurance (auto, homeowners, life & health, and specialty coverages), Commercial Insurance (business, liability, property, and industry-specific coverages), and Life & Health Insurance (medical, Medicare, disability, and senior products). The agency operates as a broker model, comparing policies from multiple trusted insurance carriers to provide flexible coverage options tailored to individual, family, and business needs. Products range from foundational auto and homeowners coverage to specialized offerings like collector car insurance, high net worth protection, and Medicare supplement plans.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Comprehensive personal insurance coverage protecting individuals and families across Central Texas, covering auto, homeowners, life, health, and a wide range of specialty lines through multiple top-rated carriers.
• Commercial Insurance Business insurance solutions for small to mid-size Central Texas businesses, covering property damage, liability claims, workers compensation, commercial auto, bonds, builders risk, business interruption, and group benefits through multiple carriers.
• Life & Health Insurance Health and life insurance products for individuals and families in Central Texas, including medical coverage, Medicare Advantage, supplements, prescription drug plans, disability, long-term care, and life insurance.
• Auto Insurance Vehicle coverage for drivers including liability, collision, comprehensive, uninsured motorist, and medical payments coverages, placed across multiple carriers for Central Texas drivers.
• Homeowners Insurance Property protection for homeowners covering dwelling structures, personal belongings, liability, and additional living expenses against fire, theft, storms, and other covered perils.
• High Net Worth Insurance Specialized coverage for affluent households covering luxury homes, private collections, fine art, jewelry, and high-value assets with elevated coverage limits beyond standard policies.
• Pet Health Insurance Veterinary expense coverage for pets including accident, illness, emergency care, surgery, and optional wellness benefits.
• Umbrella Insurance Excess liability coverage providing additional financial protection beyond standard auto, home, or rental property policy limits.
• Health Insurance Medical coverage including individual, group, marketplace (ACA-compliant), short-term, PPO, HMO, and EPO plans with dental and vision options.
• Life Insurance Financial protection for families including term life, whole life, universal life, final expense, and child rider coverage options.
• Medicare Advantage Plans Medicare Part C plans combining hospital, medical, and often prescription coverage with vision, hearing, dental, and wellness benefits for seniors.
• Medicare Insurance Medicare guidance and coverage including supplements, Part D prescription drug plans, and enrollment support for seniors.
• Medicare Supplement Insurance Medigap coverage filling gaps in Original Medicare including copayments, coinsurance, and deductibles for enhanced protection.
• Business Insurance (BOP / CPP) Commercial coverage including Business Owner Policies (BOP) and Commercial Package Policies (CPP) designed for small to mid-size businesses.
• General Liability Insurance Commercial liability coverage protecting businesses from third-party bodily injury, property damage, legal defense, and advertising injury claims.
• Business Property Insurance Coverage for business personal property including furniture, inventory, equipment, fixtures, and business interruption add-ons.
• Commercial Auto Insurance Fleet and vehicle coverage for company-owned vehicles, delivery vans, and service trucks with liability, collision, and comprehensive options.
• Bonds Insurance Surety and fidelity bonds including contract, license, permit, lost title, and performance bonds for business and contractor requirements.
• Group Benefits Insurance Employee benefit packages including group health, dental, vision, disability, life, and supplemental coverage for small and mid-size businesses.
• Long-Term Care Insurance Coverage for assisted living, nursing care, in-home caregiving, and adult day care with traditional and hybrid life insurance options for seniors and retirees.

Quantifiable outcome

• 565 clients helped (as stated on the About Us page)
• +2 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Leavitt Group: Network of independent insurance agencies offering personal, commercial, and life & health coverage across the western U.S. Highly comparable to Miller & Miller as a federation of independent, community-based agencies serving individuals and small businesses.
• Hilb Group: Insurance brokerage roll-up that acquires and operates independent agencies across personal, commercial, and benefits lines. Directly comparable to Miller & Miller as an independent agency model — and a likely acquirer/strategic peer given Hilb's stated focus on acquiring agencies like Miller & Miller.

Broad incumbents

• Lockton Companies: Largest independent (non-publicly traded) insurance brokerage in the U.S., providing commercial, personal, and benefits solutions globally. Comparable as a broad, independent incumbent in the same multi-line brokerage space that Miller & Miller operates in.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm serving commercial and personal lines clients. Comparable as a broad incumbent in the same brokerage and risk advisory space, with overlapping personal, commercial, and life & health capabilities.
• USI Insurance Services: Large U.S. insurance brokerage serving middle-market and SMB clients with personal, commercial, and benefits solutions. Comparable as a broad incumbent in the same brokerage category, though with significantly greater geographic and product breadth.
• Brown & Brown, Inc. One of the largest U.S. insurance brokerages offering personal, commercial, and specialty lines through a decentralized network of acquired agencies. Comparable as a broad incumbent in the same insurance brokerage space that Miller & Miller operates in, but at vastly greater scale and geographic breadth.
• Marsh McLennan: Global professional services firm and parent of Marsh (insurance brokerage), Oliver Wyman, and Mercer. Comparable as a broad incumbent in insurance brokerage and risk advisory, though primarily focused on large commercial accounts rather than Miller & Miller's SMB/retail orientation.

Others

• Trusted Choice: National network/marketing brand of independent insurance agents and brokers in the U.S. Adjacent to Miller & Miller as an industry network that the agency could join for branding, lead generation, and carrier access — comparable as an enabling/ecosystem participant.

Emerging players

• Lemonade: Digital-first, direct-to-consumer insurance carrier offering renters, homeowners, pet, and auto insurance through a mobile app. Comparable as an emerging player competing for the same personal-insurance customer — and a direct disintermediation risk to traditional agencies like Miller & Miller.

Regional players

• Higginbotham: Texas-based insurance brokerage firm offering personal, commercial, and employee benefits coverage through a network of offices across Texas and the southern U.S. Comparable to Miller & Miller as a multi-line independent brokerage with strong Texas roots, though operating at a much larger scale.

Market position

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/millerandmillerinsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Miller & Miller Insurance Agency