What IS good insurance? And how do you KNOW when you have it? There are dozens of “urban legends” about tragic accidents where businesses find out all too late that some vague insurance exclusion means nothing will be covered. Hopefully this has never happened to you and never will. This is where we come in. C&M Insurance is your full service agency, watching your back is what we do. If you’re going to sleep at night, you need an agency and companies with an exceptional history of service and time proven financial stability.

We want you to know that because we insist on having personal relationships with our clients, our capacity for new business is limited. To find out if you qualify for our programs, our staff would be willing to sit with you and discuss how your insurance requirements could be handled with maximum efficiency regarding coverage and cost.

Call us today for an appointment.

Personal Insurance
We know that you have many choices. As independent agents it is our goal to serve as your insurance advisor. We’ll consult with you to determine your specific insurance needs before recommending the best combination of coverage, service and value for your unique situation. As a client of C&M you will enjoy:

  • Insurance products and services that are right for you
  • Guidance and advocacy in the event you have a claim so that your experience with the claims process is resolved in a fair and timely manner
  • Counseling you on matters related to your coverage and program
  • Providing prompt service with a unique personal touch

Earning your trust everyday by providing:

  • Business Insurance
  • Home Owners Insurance
  • Auto Insurance
  • Boat, RV and Motorcycle Insurance
  • Life Insurance
  • Renters Insurance
  • Roth and Traditional IRA’s
  • Health Insurance
  • Disability Income Replacement
  • Long Term Care Insurance
Life Insurance
A life insurance policy is designed not to protect you, but the ones who matter most to you. Life insurance can provide funds to allow your beneficiaries to replace some of the income you would have earned, to help pay off debt or to cover funeral and other expenses. We will help you choose the best option for your individual situation by walking you through the choices and answering your questions.
Commercial Insurance
We are an independent insurance agency working with Michigan and Indiana based businesses since 1981.  We have enjoyed and gravitated to companies with like kind philosophies and parallel management styles offering levels of service and a personal touch that is far above what is expected of our industry.We would like to extend our agency services to all of your business operations and stand ready to service your insurance needs.  We work with many A+ rated carriers and are here to provide a product and service that is considered above reasonable and customary.  We will earn your trust every day. If you have a business based in Michigan or Indiana, we can help you find the right coverage and value. In addition to our standard business insurance we have designed a number of specialty programs:

  • Hospitality and Leisure (Restaurants, hotels and golf courses)
  • Oil and Gas
  • New and Used Auto Dealers
  • Non Profits
  • Medical Field
  • Environmental Exposures of all kinds
  • Recycling and Green Industry
  • Law Offices
  • Heavy Truck and Transportation
  • Condominium Associations
  • Adult Foster Care
  • Welding and Fabrication
Employee Benefits
Forward-thinking companies know that to attract and retain quality employees, benefits are a large part of the employment package.  At C&M, our 30 years of Employee Benefits experience can help employers understand the many facets of providing a comprehensive level of benefits while containing costs.  We offer a complete evaluation of your plans including health, dental, vision, life, disability and voluntary insurance.  C&M Insurance also has access to value-added programs, such as Flexible Spending, Employee Assistance Programs and Retirement Savings.

We also provide support to your administrative and human resource staff, whether it’s assistance with claims, billing questions or reporting…we’re there for you.  We provide annual reviews of your benefits with clear benefit proposals and guidance.  Finally, we know that benefits can be confusing so we also provide on-site employee informational meetings, claim assistance and answers to coverage questions.