Independent insurance & risk advisors · Michigan
Clarity.
Insight.
Guidance.
Independent insurance and risk advisory to protect what matters most.
Let's TalkFocused on what drives your business
Specialized expertise.
Industry insight. Better outcomes.
We advise a focused set of industries in depth. Our team pairs industry knowledge with an independent perspective, so your contracts, equipment and policies are read as one system.
All industry programs
Aerospace
Products, hangarkeepers and ground risk for the flight supply chain.
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Advanced Manufacturing
Protecting production, equipment and continuity.
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Cyber Liability
Affirmative cyber coverage aligned to CMMC and NIST.
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Healthcare & Senior Living
Home health, group homes, assisted living and memory care.
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Contractors
Large HVAC, directional boring and IT contractors.
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All Commercial Lines
General liability, property, workers' comp and more.
Learn moreIndependent by design · Advocates by choice
We work for you — not the insurance companies.
As an independent agency, we have the freedom to place each risk with the carrier whose policy actually fits it. Our loyalty is to you and your business.
Learn moreUnbiased
Our loyalty is to you, not to a carrier.
Responsive
You'll get answers when you need them.
Experienced
Decades of combined industry knowledge.
Local
Proudly serving Michigan businesses.
Private client · Personal lines
Protect what matters. Plan for what's next.
Homes on the lake and in other states, collector cars, boats, art and the liability that comes with all of it. We coordinate every personal policy under one umbrella and one advisor, so nothing falls between them.
Explore private clientHomes
Primary, lake and secondary homes.
What it touchesThe structure, belongings, loss of use and liability at each address.
Auto
Daily drivers, luxury cars and teen drivers.
What it touchesMichigan PIP, liability to others, and damage to your own vehicles.
Umbrella
High-limit liability over everything.
What it touchesLawsuits above your home, auto and boat limits, plus defense costs.
Life
Income, estate and business needs.
What it touchesCash to your family, estate or business at the moment it's needed.
Toys
Boats, yachts and exotics.
What it touchesAgreed value for the hull or car, liability on the water and road.
Condo & Renters
Units, seasonal condos and rentals.
What it touchesWhat the master policy or lease leaves to you, and assessments.
Our standard
How is an insurance advisor different from an insurance broker?
A transactional broker collects your current limits, runs them through a rater and returns the lowest price. An advisor first analyzes how your operations, contracts and assets have changed, identifies the exposures your current program misses, and then explains each coverage position in terms of its specific triggers, exclusions and retentions.
Clarity
Sending complex policy documents and expecting you to decipher them.
We break every policy down to its operational triggers, exclusions and financial retentions — in plain language and visual matrices.
Insight
Copying last year's limits into automated raters.
We analyze your operational changes to uncover hidden exposures — and document them before anything goes to market.
Guidance
Reacting only when you call or file a claim.
We run milestone-driven check-ins through the full policy life cycle, on a calendar we own.
Our advisory process
What happens in a coverage audit?
A coverage audit compares what your business or household actually does today with what your policies actually say. We review your operations, contracts and assets, read your policy forms and endorsements, and deliver a written summary of gaps, overlaps and recommended changes before anything is marketed to insurers.
Discover
Your operations, contracts, assets and what matters most.
Analyze
Your current policies, line by line, against your real exposures.
Recommend
Clear options, each tied to a trigger, exclusion and cost.
Review
Scheduled check-ins as your business and life change.
Employee Benefits
Health, dental, vision and disability programs benchmarked against employers like you.
Explore benefitsRisk Management
Loss control, contract review and regulatory and municipal risk — before the claim, not after.
Explore risk managementCommon questions
Answers before the first conversation
What does an independent insurance agency do?
An independent agency represents multiple insurance companies rather than one, so it can place each risk with the carrier whose coverage fits best. Conner Insurance Group adds an advisory layer: we analyze exposures and explain policy terms before recommending coverage.
Can I get an instant price online from Conner Insurance Group?
No. We begin with a conversation and a coverage review, because price is only meaningful once the coverage it buys is understood. Proposals follow the review and compare policy language, not just premium.
Where does Conner Insurance Group serve clients?
We are based in southeast Michigan and serve businesses and families throughout the state, with programs that extend to clients' operations and properties in other states.