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WE'RE HERE TO HELP. Our team brings together multiple carriers so you can compare rates, coverage, and options until the price and protection are right.
About My Michigan Insurance Broker
MISSION ONE
We provide a wide variety of insurance companies so you can compare rates. With over 40+ companies to choose from, we will keep quoting until the price is right.
MISSION TWO
We are here to make sure you are protected the right way with the best coverage for you, your family, and your business.
MISSION THREE
Our independent agency is committed to service, integrity, and professionalism. We treat clients as individuals and strive for the highest satisfaction.
Services
Commercial
Local business packages, liability, commercial auto, and certificates delivered quickly to keep projects moving.
Personal Auto
Personalized auto coverage with options to meet Michigan requirements and your budget.
Homeowners
Protection for homes, condos, and rentals with coverage tailored to how you live.
Latest resources
Guides and insights from our team—now available as internal articles.
Abbreviation for Transportation: Complete Guide to TRANS, TRANSP, and Transportation Acronyms
In professional writing, documentation, and everyday communication, knowing the correct abbreviation for transportation can save time and ensure clarity. Whether you’re filling out business forms, writing logistics reports, or managing shipping documents, understanding when to use TRANS, TRANSP, or other variations is essential for accurate communication in the transportation industry. This comprehensive guide covers the most widely accepted transportation abbreviations, their appropriate contexts, and industry-specific variations. From government…
Read articleStandard Crawler Excavators
Standard crawler excavators represent the most common heavy equipment shipping scenario, encompassing machines from 22,000 pounds up to 180,000 pounds (11 to 90 tons). These workhorses of the construction industry require lowboy or removable gooseneck (RGN) trailers capable of handling their substantial weight, and their dimensions—typically 20-35 feet long, 10-12 feet wide, and 10-12 feet tall—often exceed standard legal limits. Shipping preparation frequently involves partial disassembly, including removing…
Read articleAre Pallets Pressure Treated?
Not all pallets are pressure treated. In fact, most pallets used in everyday commerce are heat-treated rather than pressure-treated with chemicals. The type of treatment a pallet receives depends on its intended use, destination, and regulatory requirements. While pressure-treated pallets do exist, they’re relatively uncommon in the pallet industry compared to other treatment methods. Understanding whether pallets are pressure-treated is crucial for anyone considering reusing or repurposing them.…
Read articleCleaning and Draining Fluids
Every automotive part must be thoroughly cleaned and drained before shipping to meet carrier requirements and DOT regulations. Engine blocks, transmissions, fuel tanks, and hydraulic components typically contain motor oil, transmission fluid, coolant, gasoline, diesel, brake fluid, or power steering fluid—all classified as hazardous materials when shipped in quantities exceeding minimal residual amounts. Most carriers require parts to be “dry to the touch” with less than 1 ounce…
Read articleCONTACT US
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Frequently Asked Questions
How does an independent Michigan insurance broker help me save on auto, home, or business coverage?
Independent brokers are not locked to a single carrier, so they can quote your coverage with many insurers and compare differences in limits, deductibles, and endorsements. That means you see how price lines up against protection instead of settling for the first offer.
We handle the paperwork to gather driver, property, or business details once and reuse it with multiple carriers. This saves you time and keeps the information consistent so underwriters can price accurately.
Beyond the quote, we explain why one policy might fit better for Michigan-specific risks like no-fault auto PIP choices or lake-effect weather exposures. The goal is to balance budget and coverage, not just chase the lowest number.
What documents should I prepare for a fast insurance quote in Michigan?
For auto, have driver’s license numbers, VINs, current declarations pages, and any prior claims history. These details help us get accurate premiums and avoid surprises when binding.
For home or condo, gather your current policy, the year of updates to roof, HVAC, electrical, and plumbing, plus any appraisal or inspection reports. This helps align replacement cost estimates with carrier requirements.
For business, pull your operations summary, payroll estimates, subcontractor arrangements, and any certificate requirements from clients. Clear data up front shortens underwriting time and reduces back-and-forth.
How quickly can I get proof of insurance or certificates?
Most personal policies can be bound and issued the same day once underwriting is satisfied with required documents and payments. We prioritize rush requests when closings or registrations are on the line.
For business certificates, we can usually issue standard ACORD certificates within hours once the policy is active and we understand any special wording or additional insured needs from your client.
If a client or lender requires endorsements or waivers, we coordinate with the carrier to add them correctly the first time. That prevents rejections and keeps projects or deliveries on schedule.
What should I know about Michigan no-fault auto reform and PIP choices?
Michigan drivers now choose among several PIP medical coverage levels instead of the prior unlimited default. The right choice depends on your health coverage, household drivers, and risk tolerance.
We explain how PIP interacts with your health insurance, wage loss protection, and attendant care so you avoid gaps. Lower PIP limits may save premium but can increase out-of-pocket exposure after an accident.
We also review bodily injury limits, uninsured/underinsured motorist coverage, and deductibles to keep the whole policy balanced—especially for households with multiple vehicles or youthful drivers.
How does claims advocacy work if I have a loss?
We guide you on what to document—photos, invoices, police reports—and how to report the claim so adjusters have what they need on day one. Clear information speeds up reviews and payments.
If the carrier requests inspections or statements, we help you prepare and attend when appropriate. Our role is to make sure your policy intent is honored and that you understand each step.
For complex situations—like liability disputes or supplemental living expenses—we push for fair outcomes and keep you updated on timelines so there are no surprises while you recover.