Member Insurance Ltd. (MIL) is the parent company of American Hardware & Lumber Insurance (AHLI). MIL is a class 3, Bermuda insurance company. MIL is owned by the policyholders whose insurance is placed by AHLI and reinsured by MIL. AHLI is dedicated to meeting the insurance needs of independent hardware stores, lumber dealers, building material dealers, nursery and garden centers and rental centers, specializing in cooperatives and associations throughout the United States.