Muller Insurance

What Muller Insurance does

Muller Insurance is a family-owned independent insurance agency headquartered at 930 Washington Street, Hoboken, New Jersey, founded in 1906 by R. John Muller and operating continuously for over 118 years. The agency operates as a true independent agent, representing more than 25 insurance carriers — including Chubb, Travelers, Progressive, Liberty Mutual, Franklin Mutual, Cumberland Mutual, Amtrust, Plymouth Rock, and Lemonade — and is licensed in 29 states, with primary concentration in New Jersey, New York, Connecticut, and Pennsylvania. It sells exclusively through its own licensed insurance agents via direct phone, email, fax, mail, and website quote requests, with no third-party distribution or call-center operations.

The company's product portfolio spans personal lines (auto, home, condo, renters, life, umbrella, flood, disability, travel, jewelry/fine arts, boat/motorcycle/RV, shore properties, co-op) and commercial lines (apartment buildings, business, commercial auto, workers compensation, salon, condo association, commercial flood, business umbrella, small specialty contractors, restaurant/cafe, mixed-use buildings, garden apartments, investment condos, and multi-unit dwellings). It serves five primary segments: individuals and families, landlords and rental property owners, small specialty contractors, restaurants and food service businesses, and miscellaneous small business owners.

Muller Insurance operates with no proprietary technology platform, no APIs, no AI/ML capabilities, and no digital products — it is a traditional relationship-based agency. Revenue is generated entirely through carrier commissions on new policy placements and renewals, a recurring model since most policies are annual. Pricing is quote-based for most products except renters insurance, which is publicly disclosed at under $20 per month through Lemonade, Franklin Mutual, Plymouth Rock, and Farmers of Salem. The agency emphasizes independent advice, bundling opportunities, and long-term client relationships as its primary value proposition, supplemented by accreditations including Chubb Cornerstone Agency, Trusted Choice, CPIA, and Franklin Circle of Agents.

Name

Muller Insurance

Legal name

R. John Muller Insurance Agency

Website

https://mullerinsurance.com

Company type

Private

Founded year

1906

Operating status

Operating

Headcount range

1–10 employees

Short description

Muller Insurance is a family-owned independent insurance agency founded in 1906 in Hoboken, NJ, representing 25+ carriers and serving individuals, landlords, small contractors, and small businesses across 29 states through licensed agents.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industries

Standalone Umbrella Liability (FSAJANAE), Directors & Officers (D&O) Liability (FSAJADAF)

Keywords

• Independent insurance agency
• Personal lines insurance
• Commercial insurance brokerage
• Multi-carrier insurance
• Property casualty insurance

Headquarters

HQ city

Hoboken

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

Revenue model

1. Insurance Carrier Commissions: Muller Insurance operates as an independent insurance agency that earns commissions from insurance carriers for policies placed. As an independent agency representing over 25 insurance companies, the agency receives commissions for new policy placements and renewals across personal lines (auto, home, condo, renters) and commercial lines (landlord, contractor, business). Revenue is recurring in nature as policies are typically annual and renewed each year, with the agency incentivized to retain clients and identify savings opportunities over time.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Muller Insurance is an independent insurance agency that places personal and commercial insurance policies on behalf of clients through more than 25 insurance carrier partners. The firm is licensed in 29 states and writes coverage across personal lines (auto, home, life, umbrella, flood, etc.) and commercial lines (business, workers' comp, commercial auto, specialty property, etc.). Its primary geographic focus is New Jersey, particularly the Hoboken and surrounding tri-state region.

Product overview

Muller Insurance is a traditional independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products through relationships with over 25 insurance carrier partners. The company operates as a local insurance agency (not a technology platform) providing individualized advisory services for insurance coverage. Their product portfolio spans personal lines (auto, home, renters, condo, life, umbrella, flood, travel, shore properties, jewelry/fine arts, boat/RV/cycle) and commercial lines (business, commercial auto, workers compensation, contractors, salon, restaurant, apartment building, condo association, landlord/dwelling, mixed-use, and investment property insurance). The agency does not offer any API, AI-powered, or technology platform products—all services are delivered through traditional agent-client interactions via phone and email.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance

Quantifiable outcome

• Renters insurance typically available for less than $20 per month through carriers like Lemonade, Franklin Mutual, Plymouth Rock, and Farmers of Salem.

Named customers1 record

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

23 partnerships are on record, tiered core and minor.

• Andover CompaniescoreChannel Partner/ Reseller/ DistributorThe Andover Companies (also referred to as Andover Insurance Company) writes commercial property, liability, and homeowners coverage for apartment buildings, mixed-use properties, and landlord policies in NJ, NY, CT, and MA. Andover is described as writing commercial coverage for NJ apartment buildings.
• ChubbcoreChannel Partner/ Reseller/ DistributorChubb Insurance is a premier carrier writing high-value home insurance (Chubb Masterpiece), travel insurance (Chubb Travel Insurance), and commercial coverage. Muller Insurance holds Chubb Cornerstone Agency status, indicating preferred partnership. Chubb is a top carrier for Hoboken's higher-value condo and homeowner policies.
• Cumberland MutualcoreChannel Partner/ Reseller/ DistributorCumberland Mutual writes commercial property, liability, and workers compensation for apartment buildings and small contractors in New Jersey. The carrier is frequently cited across landlord, contractor, and apartment building insurance pages.
• Franklin Mutual Insurance (FMI)coreChannel Partner/ Reseller/ DistributorFranklin Mutual (FMI) writes dwelling, landlord, condo, renters, and homeowners policies in NJ, NY, and PA. Described as the agency's top NJ carrier for apartment building policies. The agency is recognized in Franklin Mutual's Circle of Agents.
• N&D Group (Norfolk & Dedham / Fitchburg Mutual)coreChannel Partner/ Reseller/ DistributorN&D Group (Norfolk & Dedham / Fitchburg Mutual) writes commercial property and liability for apartment buildings and contractor operations in NJ. Available for NJ commercial building coverage including apartment buildings near waterfront areas.
• Amtrust FinancialcoreChannel Partner/ Reseller/ DistributorAmtrust Financial writes general liability, commercial auto, workers compensation, and commercial property for contractors and apartment buildings in NJ and NY. A key carrier for commercial coverage including workers compensation.
• Lemonade InsuranceminorChannel Partner/ Reseller/ DistributorLemonade Insurance is a digital-first carrier writing renters and personal lines coverage. The agency now represents Lemonade, which is positioned as a popular option for renters and is noted for its digital-first approach.
• Plymouth RockminorChannel Partner/ Reseller/ DistributorPlymouth Rock writes renters, landlord, and commercial auto insurance in NJ and NY. Mentioned as a bundle option (home + auto) for Hoboken residents. Also writes commercial auto for contractors in NJ and NY.
• TravelersminorChannel Partner/ Reseller/ DistributorTravelers writes landlord coverage and personal lines including homeowners and dwelling policies in NJ. Muller Insurance holds a personal lines contract with Travelers for residential property coverage.
• ProgressiveminorChannel Partner/ Reseller/ DistributorProgressive is listed as an auto insurance carrier for personal lines. For commercial auto, Progressive writes commercial auto coverage for contractors in NJ and NY.
• Farmers of SalemminorChannel Partner/ Reseller/ DistributorFarmers of Salem Insurance writes renters, general liability, and commercial auto for small contractors in New Jersey. Also writes coverage for smaller garden apartment buildings in NJ.
• Narragansett Bay InsuranceminorChannel Partner/ Reseller/ DistributorNarragansett Bay writes homeowners and dwelling policies for Jersey City properties near waterfront areas in NJ and NY, and coverage for garden apartment buildings near waterfront areas.
• Liberty MutualminorChannel Partner/ Reseller/ DistributorLiberty Mutual is listed as a commercial carrier for mixed-use property insurance, writing commercial coverage through Muller Insurance.
• Neptune FloodminorChannel Partner/ Reseller/ DistributorNeptune Flood writes private market flood insurance policies for Hoboken and Jersey City residents. Standard condo and home insurance does not cover flood damage, making Neptune a key partner for waterfront properties.
• Selective FloodminorChannel Partner/ Reseller/ DistributorSelective Flood writes flood insurance coverage for waterfront properties. Partnered with Muller Insurance to provide flood coverage as a separate policy from standard property insurance.
• Wright FloodminorChannel Partner/ Reseller/ DistributorWright Flood writes flood insurance for Hoboken NJ waterfront residents and property owners, addressing the gap left by standard insurance policies that exclude flood damage.
• National General InsuranceminorChannel Partner/ Reseller/ DistributorNational General Insurance is listed as a carrier for renters insurance, offering coverage options for renters seeking affordable personal property and liability protection.
• Stillwater InsuranceminorChannel Partner/ Reseller/ DistributorStillwater Insurance writes landlord policies for tenant-occupied residential properties and renters insurance in NJ and NY. Competitive pricing option for condo unit owners.
• The Philadelphia ContributionshipminorChannel Partner/ Reseller/ DistributorThe Philadelphia Contributionship writes coverage for well-maintained Jersey City properties and higher-value Hoboken condo units. A trusted carrier for established properties in the NJ market.
• Foremost InsuranceminorChannel Partner/ Reseller/ DistributorForemost Insurance is listed as a carrier, writing specialty coverage for various personal and commercial lines.
• POM InsuranceminorChannel Partner/ Reseller/ DistributorPOM Insurance is listed among the insurance companies represented by Muller Insurance.
• Distinguished ProgramsminorChannel Partner/ Reseller/ DistributorDistinguished Programs is available for NY commercial building coverage through Muller Insurance, complementing other commercial carriers for apartment building insurance.
• SteadilyminorChannel Partner/ Reseller/ DistributorSteadily writes landlord policies for tenant-occupied residential properties, offering coverage options for Jersey City investment condo owners renting to tenants.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Travelers Companies: Major P&C insurance carrier that Muller represents for personal and landlord lines. Comparable as a counterparty whose commission terms and direct-to-consumer strategy directly affect Muller's economics.
• State Farm: Largest US personal lines carrier with captive agent distribution. Comparable as the dominant alternative distribution model for the same personal auto/home/renters customers Muller serves.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with a major retail agency segment. Comparable as a multi-carrier broker serving personal and commercial clients across property, casualty, and specialty lines.
• Brown & Brown, Inc. Large publicly traded insurance brokerage that consolidates independent agencies. Comparable because it acquires and operates independent agencies like Muller, and competes for the same personal and commercial clients through a multi-carrier brokerage model.
• Acrisure: Large fast-growing insurance brokerage roll-up that has acquired many regional independent agencies. Comparable as a buyer and operator of small/mid independent agencies similar to Muller.
• GEICO: Direct-to-consumer auto and personal lines carrier. Comparable as a competitor in the personal auto market that bypasses independent agents, putting downward pressure on personal lines commission economics.

Direct peers

• Lemonade: Digital-first insurance carrier that Muller now represents for renters. Comparable as a direct-to-consumer competitor whose AI-native model threatens the traditional agent intermediary role, particularly in Muller's strong renters market.
• Hiscox: Specialty insurer with a strong broker-distribution model focused on small business and landlord risks. Comparable as a specialty carrier competing for Muller's commercial small business and rental property book.

Emerging players

• Next Insurance: Digital-first insurer targeting small business and contractor customers (e.g., plumbers, electricians) — a segment Muller serves. Comparable as a digital native competing for Muller's small contractor book with a direct model.
• Simply Business: Online insurance marketplace for small businesses including contractors, restaurants, and landlords. Comparable as a digital alternative in Muller's small commercial segment, particularly for tech-savvy younger buyers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/mullerinsurance
• LinkedInlinkedin.com/company/muller-insurance-hoboken-new-jersey

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Muller Insurance