Milford Casualty Insurance Company. Delaware: Overview, Contacts, Services,Finances, Coverage

If you are looking for a reliable and affordable insurance provider in Delaware, you might want to consider Milford Casualty Insurance Company.

An image illustration of Milford Casualty Insurance Company
Milford Casualty Insurance Company is a regional insurance company that is part of the AmTrust Financial Services, Inc. group of companies.

Milford Casualty Insurance Company is a regional insurance company that is part of the AmTrust Financial Services, Inc. group of companies.

In this blog post, we will discuss some of the key aspects of Milford Casualty Insurance Company, such as its history, products, services, financial details, coverage details, claims process, and customer experiences.

By the end of this post, you will have a better understanding of why Milford Casualty Insurance Company is a trusted partner for your insurance needs.

Milford Casualty Insurance Company Details

Milford Casualty Insurance Company was founded in 1979 in Delaware as a stock company.

The company is a subsidiary of AmTrust Financial Services, Inc., a multinational insurance holding company that offers specialty property and casualty insurance products and services.

The company operates in 14 states across the U.S., including Delaware.

The current CEO of Milford Casualty Insurance Company is Barry Zyskind, who is also the Chairman and CEO of AmTrust Financial Services, Inc.

The leadership team also includes Michael Saxon (President), Adam Karkowsky (Executive Vice President and Chief Financial Officer), Christopher Longo (Executive Vice President and Chief Operating Officer), and Stephen Ungar (Senior Vice President, General Counsel and Secretary).

Milford Casualty Insurance Company has a market share of 0.01% in the U.S.

property and casualty insurance industry, and ranks 664th among the top 1000 insurers in the country.

The company has about 50 employees and 200 independent agents who serve more than 50,000 policyholders.

Milford Casualty Insurance Company Contacts

Information Details
Phone Number (800) 852-0335
Address 4455 LBJ Freeway Suite 700 Dallas, TX 75244
Customer Service Contact
Policy Details
Email Address
Fax Number (214) 237-3600
Operating Hours Monday-Friday: 9:00 AM – 5:00 PM (Central Time)

Milford Casualty Insurance Company Services & Products

Milford Casualty Insurance Company offers a variety of insurance products and services to meet the diverse needs of its customers. Some of the types of insurance offered by the company are:

Special Packages

Milford Casualty Insurance Company also offers special packages or bundled services for customers who want to save money and simplify their insurance needs. For example,

Milford does not offer international coverage for its customers. However,

  • The company does provide temporary or short-term policies for customers who need coverage for a specific period of time or for a specific event. For example, the company offers travel insurance for customers who are traveling abroad.
  • The company also provides coverage for customers who have foreign-plated vehicles or who are driving in Mexico.

Milford Casualty Insurance Company Financial Details

Milford is a financially stable and secure insurance provider.

The company has an A- (Excellent) rating from A.M. Best, a leading rating agency for the insurance industry.

The rating reflects the company’s strong capitalization, solid operating performance, conservative underwriting, and loyal customer base.

The premium costs of Milford Casualty Insurance Company vary depending on the type of insurance, the coverage options, the deductible amount, the policy limits, and the personal factors of the customer, such as age, gender, driving record, credit score, and location.

The company offers competitive rates and flexible payment options for its customers. Customers can choose to pay their premiums monthly, quarterly, semi-annually, or annually.

Customers can also choose to pay their premiums online, by mail, by phone, or by automatic withdrawal from their bank account.

Discounts and Promotions

The company also offers discounts and promotional offers for its customers who qualify for certain criteria. Some of the discounts and offers available are:

  • Multi-Policy Discount: Customers who have more than one policy with the company can save up to 15% on their premiums.
  • Multi-Vehicle Discount: Customers who have more than one vehicle insured with the company can save up to 10% on their premiums.
  • Safe Driver Discount: Customers who have a clean driving record for at least three years can save up to 10% on their premiums.
  • Good Student Discount: Customers who are full-time students with a grade point average of 3.0 or higher can save up to 10% on their premiums.
  • Mature Driver Discount: Customers who are 55 years or older and have completed a defensive driving course can save up to 10% on their premiums.
  • Loyalty Discount: Customers who have been with the company for at least five years can save up to 5% on their premiums.
  • New Customer Offer: Customers who switch to the company from another insurer can get a $50 gift card as a welcome bonus.

The claim payout ratio of Milford is 65.3%, which means that the company pays out $65.3 in claims for every $100 in premiums collected.

This ratio indicates that the company is profitable and efficient in handling claims.

Milford Casualty Insurance Company Coverage Details

Milford provides comprehensive and customized coverage for its customers.

The company allows customers to choose the coverage options and limits that suit their needs and budget.

However, there are some policy exclusions and limitations that customers should be aware of.

Some of the common exclusions and limitations are:

  • Policy Exclusions: These are situations or events that are not covered by the policy, regardless of the coverage options or limits. Some of the common policy exclusions are:
    • Intentional acts or fraud by the insured or anyone acting on their behalf.
    • War, terrorism, nuclear hazard, or government action.
    • Wear and tear, deterioration, or mechanical breakdown of property or equipment.
    • Damage caused by rodents, insects, birds, or domestic animals.
    • Damage caused by mold, fungus, or bacteria.
    • Damage caused by earth movement, such as earthquake, landslide, or sinkhole.
    • Damage caused by water damage, such as flood, sewer backup, or sump pump failure.
    • Liability arising from professional services, business activities, or illegal acts.

Coverage Limits

These are the maximum amounts that the policy will pay for a covered loss. The coverage limits vary depending on the type of insurance, the coverage options, and the deductible amount. Some of the common coverage limits are:

    • Liability Limit: This is the maximum amount that the policy will pay for bodily injury or property damage that the insured is legally responsible for causing to others. The liability limit can range from $25,000 to $1 million per occurrence.
    • Property Limit: This is the maximum amount that the policy will pay for damage or loss to the insured’s own property or belongings.


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