Miller's Insurance Agency

What Miller's Insurance Agency does

Miller's Insurance Agency is an independent insurance brokerage founded in 1975 and headquartered at 255 W Uwchlan Ave, Downingtown, Pennsylvania, with an 11–50 person workforce. The firm serves individuals, families, and small-to-medium businesses across Pennsylvania, New Jersey, Delaware, and Maryland, offering personal lines (auto, homeowners, renters, personal umbrella, rental property), commercial lines (business owner's policy, commercial auto/property/umbrella, general liability, professional liability/E&O, workers' compensation, cyber liability, key person), life and supplemental insurance (term, whole, universal, juvenile, instant issue, Medicare supplement, fixed annuities, mortgage protection), group benefits (medical, dental, vision, disability, life, LTC, HRA/FSA/HSA), and HR consulting services. As an independent agency, Miller's is appointed with ten or more carriers — Erie Insurance, Westfield, Travelers, Progressive, National General, Hagerty, Foremost, Eastern Alliance, The Hartford, and Aetna — and earns commissions on placed and renewed policies, allowing cross-carrier coverage and price comparison.

The operating model is sales-led and relationship-driven rather than technology-platform-driven. Distribution runs through licensed agents at the Downingtown office, phone consultations, website quote-request forms, and community-event outreach. Marketing extends across a company website with an educational blog and active profiles on Facebook, Instagram, LinkedIn, Twitter, and Yelp. Leadership includes President Matthew Mangus, Managing Partner/COO Fran Shaw (45+ year tenure), VP of Sales & Business Development Joe Baccile (joined July 2016 from banking/wealth management), and Director of Account Management Stephanie March. No proprietary technology stack, APIs, AI/ML capabilities, patents, or research output are disclosed.

Commercially, revenue is generated through recurring carrier commissions on premiums placed and renewed, with quote-based pricing that varies by coverage type, customer risk profile, and selected carrier. The company is privately held with no external investors, parent entity, funding rounds, acquisitions, or restructuring events identified in available sources.

Name

Miller's Insurance Agency

Legal name

Miller's Insurance Agency

Website

https://miainc.com

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

11–50 employees

Short description

Miller's Insurance Agency is an independent brokerage founded in 1975 in Downingtown, Pennsylvania, providing personal, commercial, and life insurance, group benefits, and HR consulting to individuals and small-to-medium businesses across Pennsylvania, New Jersey, Delaware, and Maryland.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

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

• Personal insurance brokerage
• Commercial insurance brokerage
• Life insurance services
• Group benefits administration
• Independent insurance agency

Headquarters

HQ city

Downingtown

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, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commission Revenue: As an independent insurance agency, Miller's Insurance Agency generates revenue through commissions paid by insurance carriers for policies placed and renewed. Commissions are typically a percentage of premium payments collected by the insurance company.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Miller's Insurance Agency is an independent insurance brokerage that places personal, business, and life insurance policies with multiple carriers on behalf of individuals, families, and small-to-medium businesses across Pennsylvania, New Jersey, Delaware, and Maryland. The agency also delivers group benefits administration and HR consulting. Revenue is generated via commissions paid by insurance carriers on policies sold and renewed.

Product overview

Miller's Insurance Agency is an independent insurance agency founded in 1975 offering a comprehensive portfolio of insurance products and services. The agency operates as a single unified service model (not a software platform) providing personal insurance (auto, homeowners, renters, umbrella, rental property), business insurance (BOP, commercial auto, property, umbrella, cyber liability, general liability, professional liability/E&O, workers' compensation, key person), life and supplemental insurance (term, whole, universal life, Medicare supplements, juvenile, instant issue), group benefits (medical, dental, vision, FSA, HSA, HRA, disability, life, LTC), and HR consulting services. As an independent agency, they partner with multiple carrier partners including Erie Insurance, Westfield, Travelers, Progressive, National General, Hagerty, Foremost, Eastern Alliance, The Hartford, and Aetna to offer competitive pricing and coverage options.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Coverage for personal vehicles protecting individuals and families against accidents, liability, and property damage, sourced from multiple carrier partners.
• Homeowners Insurance Protection for residential properties against damage, liability, and loss of personal possessions, placed through multiple carrier partners.
• Renters Insurance Coverage for tenants protecting personal belongings and providing liability protection against damage to rental properties.
• Personal Umbrella Insurance Extra liability coverage above and beyond the limits of standard auto, homeowners, and other personal policies.
• Rental Property Insurance Coverage for landlords protecting rental properties against damage, liability, and loss of rental income.
• Business Owner's Policy (BOP) Bundled commercial coverage combining property and general liability protection for small businesses, placed through carrier partners.
• Commercial Auto Insurance Coverage for business vehicles protecting against liability and property damage arising from commercial operations.
• Commercial Property Insurance Protection for business facilities, equipment, inventory, and fixtures against damage or loss.
• Commercial Umbrella Insurance Additional liability coverage providing $1 million to $5 million in protection above underlying business policies.
• Cyber Liability Insurance Protection for businesses against data breaches, cyber attacks, and associated costs including notification and recovery.
• General Liability Insurance Coverage protecting businesses against claims for bodily injury, property damage, and personal injury.
• Workers' Compensation Insurance State-mandated coverage providing medical treatment and wage replacement for work-related injuries or illnesses.
• Professional Liability (Errors & Omissions) Insurance Coverage protecting professionals against claims of negligence, misrepresentation, and failure to render services.
• Term Life Insurance Affordable life coverage for a specified period (10, 20, or 30 years) providing death benefits to beneficiaries.
• Whole Life Insurance Permanent life insurance with level premiums, death benefits, and cash value accumulation.
• Universal Life Insurance Flexible permanent life insurance with adjustable premiums and death benefits backed by cash value savings.
• Medicare Supplemental Coverage Medigap coverage helping pay for out-of-pocket costs not covered by Original Medicare Parts A and B.
• Group Medical Insurance Group health coverage including fully insured, level-funded, and national network options for employees.
• Group Dental Insurance Employee benefit covering checkups, cleanings, fillings, crowns, and root canals.
• Group Vision Insurance Coverage for eye exams, glasses, and contact lenses with managed care and scheduled options.
• Group Disability Insurance Income replacement coverage including short-term and long-term disability options for employees.
• Group Life Insurance Employer-provided life coverage including term, whole, and universal options at wholesale rates.
• HR Consulting Professional HR support including compliance, risk management, employee litigation defense, and strategic partnership for employer clients.

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core.

• Erie InsurancecoreChannel Partner/ Reseller/ DistributorErie Insurance is prominently featured on Miller's website with direct links for auto quotes, bill payment, life insurance calculator, and online account access. The company represents Erie Insurance as a key carrier partner offering auto, home, and life insurance products.
• Westfield InsurancecoreChannel Partner/ Reseller/ DistributorWestfield Insurance is listed among Miller's carrier partnerships, providing commercial and personal insurance products.
• The Travelers Indemnity CompanycoreChannel Partner/ Reseller/ DistributorTravelers Insurance is featured as a carrier partner offering various insurance products through Miller's agency.
• The Progressive CorporationcoreChannel Partner/ Reseller/ DistributorProgressive Insurance is listed as a carrier partner providing auto and other insurance products.
• National General Insurance CompanycoreChannel Partner/ Reseller/ DistributorNational General Insurance is featured as a partner carrier offering various insurance products.
• Hagerty InsurancecoreChannel Partner/ Reseller/ DistributorHagerty Insurance is listed as a carrier partner, likely providing specialty/hobby vehicle insurance.
• Foremost InsurancecoreChannel Partner/ Reseller/ DistributorForemost Insurance is featured as a carrier partner offering various insurance products.
• Eastern AlliancecoreChannel Partner/ Reseller/ DistributorEastern Alliance is listed as a carrier partner, potentially providing workers' compensation or business insurance products.
• The HartfordcoreChannel Partner/ Reseller/ DistributorThe Hartford is listed as a national carrier partner providing business and personal insurance products.
• AetnacoreChannel Partner/ Reseller/ DistributorAetna is featured as a carrier partner, likely providing health insurance and group benefits products.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• World Insurance Associates: A rapidly growing independent insurance agency operating across multiple U.S. states with personal, commercial, and group benefits offerings. Similar multi-carrier distribution model and SMB/individual focus.
• Goosehead Insurance: An independent insurance agency franchise distributing personal and commercial lines through multiple carriers. Comparable multi-carrier model with technology-enabled agent support, though operates at significantly larger scale.
• Leavitt Group: A national network of independent insurance agencies offering personal, commercial, and group benefits across multiple states. Comparable as a multi-carrier independent agency model with regional offices and similar product breadth to Miller's.
• The Hilb Group: A mid-market insurance brokerage serving individuals and businesses across the eastern U.S. Comparable in size, multi-state agency structure, and personal/commercial product mix to Miller's.

Broad incumbents

• Acrisure: A global insurance brokerage leveraging technology to distribute personal and commercial coverage. Comparable independent agency structure with aggressive consolidation strategy across the U.S.
• Brown & Brown, Inc. One of the largest independent insurance brokerages in the U.S., offering personal, commercial, and group benefits. Comparable product mix and multi-carrier model, though operating at substantially greater scale and geographic breadth.
• Integrity Marketing Group: A leading distributor of life, health, and annuity products and insurance solutions, actively acquiring independent agencies. Comparable as a multi-line independent distribution platform with focus on senior market and group benefits.
• Hub International: A global insurance brokerage serving commercial, personal, and group benefits clients. Comparable as a multi-carrier brokerage with Mid-Atlantic presence and similar product breadth to Miller's.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/GetMillers
• Facebookfacebook.com/MillersInsAgency
• LinkedInlinkedin.com/company/miller%27s-insurance-agency-inc-
• Instagraminstagram.com/millersinsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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's Insurance Agency