Accident Fund Insurance Company of Michigan
Accident Fund offers workman’s compensation coverage on a stand-alone basis.
Represented since 1973.
 

Allstate Insurance
Bay Insurance was licensed with Allstate in February of 2014. This company allows our agency to offer a product that is known nationally. Allstate offers personal and business home and property lines.
 

Arrowhead Insurance
Arrowhead is a great company that offers easy payment plans for people with no priors or other insurance issues.
 

Blue Cross Blue Shield of Michigan
BCBS is our health insurance carrier of choice, offering plans for both groups and individuals.
Represented since 1989.
 

Bristol West Insurance Group (Now Foremost Insurance Company)
Bristol West offers personal auto insurance for both the standard, people with good records and continuous coverage, and sub-standard, for people with lapses in coverage or ticket and accidents, markets.
Represented since 2000.
 

Conifer Insurance Company
Offering hospitality industry coverages for restaurants, bowling alleys and bars.  Also specializes in liquor liability products.
Represented since 2013.
 

Farmers and Merchants Mutual Fire Insurance Company
Proudly represented by three generations of our family since 1965 and based locally in Calumet Michigan, Farmers and Merchants writes coverage on homes, seasonal properties, rentals, manufactured homes and farms.
Represented since 1973.
 

Fremont Insurance Company
Fremont is our primary multi-lines insurance carrier, offering personal insurance, farm coverage and commercial insurance packages. With multi-policy credits and many group and association discounts, they are a great option for many of our clients. Fremont is also the second largest insurer of farms in Michigan.
Represented since 2002.
 

National General Insurance    (Formerly GMAC)
GMAC is a writer of personal auto and recreational vehicle insurance in Michigan.  With their assocaition with GM, they offer discounts for current/retired employes in the GM family and for ownership of GM vehicles.  They accept both standard and substandard markets.
Represented since 2012.
 

Great Lakes Mutual Insurance Company
Located in nearby Kearsarge Michigan, Great Lakes offers insurance coverage on homes, rentals, seasonal properties and vacant dwellings.
Represented since 2003 and as UP Mutual since 1973.
 

MAIPF & MBPIA
Bay Insurance is licensed with these two “pool” or state placement facilities. They offer coverage for risks that cannot be easily placed with the standard market.
 

Michigan Workman’s Compensation Placement Facility
The MWCPF is the “pool” or state facility for the hard to insure work comp policy or for those that have had a poor loss record.
 

Philadelphia Insurance Company
Philadelphia is a specialty lines, commercial company offering specialized products for a lot of niche markets, such as: non-profit, outdoor & recreation, and health & fitness groups. Represented since June of 2014.
 

State Auto
As of 2017, We are proud to  announce our association with State Auto. State Auto  is a full service company offering products in both personal and business lines.

Through association with these general agencies we have access to additional products.

Alta Pro – professional liability insurance
 

Burns and Wilcox – for hard to place commercial polices and special event policies
 

Grand General Agency – access to manufactured home, motorcycle, flood and many other product lines:

• Aegis Insurance Company
• American Bankers National Flood Insurance
• American Modern Insurance Company
• Fireman’s Fund

Insurance Associates – individual and group life
 

The Iroquois Group – commercial property and apartment buildings