Business Details
50+ Years
experience
Your Trusted Independent Insurance Partner in Michigan
Fischer Insurance has been serving Michigan communities since 1969 with personalized insurance solutions. As a family-owned independent agency headquartered in Northern Michigan, we prioritize client needs through ethical service and local expertise. Our team of licensed professionals brings decades of combined experience across personal, commercial, and industry-specific insurance lines. We maintain partnerships with top carriers like Auto Owners while offering tailored coverage options for homeowners, businesses, and specialty industries. Our commitment to community values and client advocacy has made us a trusted insurance advisor for generations of Michigan residents. 
Services
Home Insurance
Auto Insurance
Business Insurance
Motorcycle Insurance
Contractor Insurance
Brewery Insurance
Winery Insurance
Commercial Umbrella
Personal Liability
Flood Coverage
Details
- Year established: 1969
Highlights and features
- We have over 50 years of local insurance expertise since 1969
- Our team includes licensed professionals with industry-specific specializations
- We operate as an independent agency with multiple carrier partnerships
- We offer tailored coverage solutions for unique insurance needs
- We provide local office support with statewide insurance expertise
Services
Home Insurance
Our home insurance policies protect against fire, water damage, personal liability, and natural disasters. We offer replacement cost coverage, valuable possessions scheduling, and flood insurance options. Policies include additional living expense coverage during home repairs. Our agents help customize coverage for primary residences, vacation homes, and collector properties.
Business Insurance
Business owners policies combine property and liability protection with options for workers' compensation and commercial auto. We provide industry-specific solutions for contractors, breweries, and wineries. Coverage includes business income protection, cyber liability, and commercial umbrella policies. Our risk management approach addresses both common and unique business exposures.
Auto Insurance
Auto insurance policies cover bodily injury, property damage, and uninsured motorists. We offer physical damage coverage, rental reimbursement, and medical payments options. Our agents help customize coverage for standard vehicles, classic cars, and commercial fleets. Policies include both state minimum requirements and enhanced protection options.
Contractor Insurance
Specialized insurance for construction professionals includes general liability, commercial auto, and equipment coverage. We offer builders risk policies and contractors equipment insurance with protection against theft and transit damage. Our solutions cover specialty trades like HVAC, plumbing, and electrical contractors across Michigan.
Flood Coverage
Flood insurance policies protect against surface water damage not covered by standard homeowners policies. We offer NFIP-backed coverage and private market options for residential and commercial properties. Policies include building and contents coverage with options for elevated risk areas and repeated loss scenarios.
People
Mark Irwin
Principal / Commercial and Craft Beverage Coverage
Licensed insurance professional with specialized expertise in commercial coverage and craft beverage industry risks since 2002. Focuses on developing tailored insurance solutions for breweries and specialty businesses.
Joe Fischer
Principal / Environmental Conservation and Pollution Liability
Third-generation insurance leader with environmental risk management expertise since 2011. Oversees pollution liability coverage and sustainability-focused insurance solutions while maintaining family agency values.
Nick Corey
COO
Certified Insurance Counselor with operational leadership experience since 2002. Manages day-to-day agency operations while maintaining client service standards and industry certification compliance.
Chris White
Producer
Licensed insurance producer specializing in personal, commercial, and farm coverage since 2008. Certified Insurance Counselor focused on comprehensive risk management solutions for diverse client needs.
Jakan Jano
Director of Business Development
Business development leader with insurance industry experience since 2007. Focuses on expanding agency services while maintaining personalized client relationships and community connections.
Questions
What types of insurance does Fischer Insurance offer?
We provide personal insurance (home, auto, motorcycle), business insurance (BOP, commercial auto), contractor insurance, brewery/winery coverage, and specialty policies like flood and umbrella insurance.
Are you licensed to operate in Michigan?
Yes, we're a Michigan-licensed insurance agency with local offices in Bellaire and Elk Rapids, serving clients statewide since 1969.
How do I file an insurance claim?
Contact our service center directly at 800-453-6170 or use our online portal to report claims and receive immediate assistance with the claims process.
Can I manage my policy online?
Yes, our client portal allows policyholders to make payments, request changes, access ID cards, and manage coverage options 24/7.
Do you offer insurance for specialty businesses?
We specialize in craft beverage insurance for breweries and wineries, contractor coverage, and other industry-specific insurance solutions tailored to Michigan businesses.
What are your office hours?
Our Michigan offices operate Monday-Friday from 8:00 AM to 5:00 PM with after-hours emergency contact options available.
