like us on FacebookFollow us on TwitterSee us on LinkedInView our videos on YouTube

About Us


Member Insurance Ltd. (MIL), a Bermuda reinsurance company, is the parent company of Member Insurance Agency (MIA), a full service retail agency with its own sales force. The consolidated group known as Member Insurance is dedicated to meeting the insurance needs of its owners which are hardware store owners and building material and lumber dealers, that are members of Do it Best Corp. and True Value Company; two market leading hardware and lumber cooperative buying groups. In addition, Member has relationships with and does business with other trade groups within the home supply and building materials arena.

Providing insurance coverage since 1972, Member has established itself as a market leader in the hardware and building supply wholesale and retail market by offering a wide range of customized insurance products, a dedicated agency staff, and a history of paying annual dividends for over 40 years.  Through our expertise and dedication to policyholders, MIA has evolved into the single largest insurance supplier to independent hardware stores in the United States. Typically, stores insured through MIA are locally known businesses with a well known franchise name behind the owner.

Member Insurance had its roots planted in 1972 as a dedicated insurance program to the hardware store industry and has always remained dedicated to independent and cooperative business owners. MIA uses its own staff to provide insurance solutions and services directly to its members. Member Insurance formed American Lumber Underwriters (ALU) in 2007, a wholesaler primarily servicing the wood products manufacturing industry.

Mission Statement

To provide superior risk management services to our members and insureds while contributing to our financially strong company.