This is not a quote.
It’s simply a risk alignment conversation.
Designed for Michigan households and businesses whose insurance needs have outgrown Michigan minimum coverages.
No obligation. No pitches. No pressure.
What This Is / Is Not.
What This Is
- A 15-20 minute conversation
- Focused on fit, structure, and exposure
- Designed to surface misalignment — not sell policies
What This Is Not
- This is NOT a commitment to change anything
- This is NOT a sales pitch
- This is NOT a policy audit
Who This Is For
This conversation is for people who have spent years building assets, income, or complexity — and want confidence their insurance actually protects it.
This is NOT a fit if
- You’re comfortable with bare-minimum coverage
- You’re only shopping for the lowest premium
- You want a fast quote without context
Our approach prioritizes structure, consequence, and long-term protection — not transactions.
What Happens Next
Step 1
A short conversation to understand the shape of your world.
Step 2
If nothing meaningful shows up, we stop.
Step 3
If it does, you decide whether a deeper review is worth doing.
No documents required for the first conversation.
If this doesn’t sound useful, it’s okay to stop here.
Why This Exists
In our work, we find that 8 out of 10 households and businesses are unintentionally exposed — not because they chose poorly, but because their life changed and their insurance didn’t.
Most issues aren’t bad policies.
They’re outdated assumptions.
Experience
- 27 years in contractual and risk-intensive industries.
- Experience structuring insurance for lakefront properties, farms, rural estates, multi-vehicle households, and business owners across Michigan.