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Companies offering a variety of personal, business, and industrial insurance policies.
A-Z Business Listings :
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Accident Fund Corporation
Workers compensation insurance for residence of
Mid-Michigan. Company headquarters are located in Lansing, Michigan.
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Al Bourdeau Insurance Agency
Al Bourdeau Insurance Agency is one of the largest
and oldest insurance agencies in Michigan. We represent many insurance
companies, more than most other insurance agencies. We know how to work with our
companies effectively. That means we help you get the best coverages at the
lowest price. As our customer, you'll never know how hard we work to save you
money! We make it easy for you.
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Blue Cross and Blue Shield of Michigan
Health and dental insurance carrier providing
information and online forms for card holders, physicians, dentists, hospitals
and group customers.
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Frankenmuth Mutual Insurance Company
Property and casualty insurance company providing
coverage throughout the Midwest. Includes locator for independent agents by zip
code or area code.
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Fremont Michigan InsuraCorp, Inc.
Fremont Insurance Company, a subsidiary of Fremont
Michigan InsuraCorp., Inc., is a Michigan exclusive property and casualty
insurance carrier with headquarters in Fremont, Michigan since our inception in
1876. Because we make our own homes and livelihood in Michigan, we understand
our State's unique geography, climate, demographics, and lifestyles.
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Mazzali Insurance Agency, Inc.
The Mazzali Insurance Agency, Inc. is comprised of
knowledgeable, experienced and ethical personnel. Our objective is to advise
clients how to best manage their risks and to act as an efficient, responsible
intermediary for Company and Client alike.
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MEEMIC Holdings, Inc.
Holding company with subsidiary which offers
personal lines insurance primarily to educational employees and their immediate
families. (Nasdaq: MEMH).
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Michigan Association of Insurance Agents (MAIA)
Offers information for consumers and insurance
agents including legislative activities and continuing education.
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Michigan Farm Bureau
Michigan's largest general agricultural
organization. Since its establishment in 1919, Farm Bureau has been dedicated to
defending the rights and economic interests of its members.
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Michigan Insurance Company
Insurance carrier serving Michigan residents and
businesses through independent agents. Provides business, auto, home, mobile
home, watercraft, motorcycle, and snowmobile insurance.
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Michigan Insurance Zone
Offering Michigan home owner insurance, Michigan
auto insurance, Michigan Life Insurance and Michigan health insurance quotes.
Taking time to shop for Michigan insurance can reward you with better prices and
better service. Michigan Insurance Zone provides guides, tips and quotes that
can help you reduce your premium and get a better value on Michigan insurance.
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Michigan Millers Mutual Insurance Company
Property and casualty insurance carrier offering
personal, business, and agribusiness insurance. Personal lines include auto,
home, umbrella, boat, snowmobile, and valuables insurance.
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Mid-Michigan Insurance Agency of Mt. Pleasant, Inc.
The mission of the Mid-Michigan Insurance Agency of
Mt. Pleasant, Inc., is to maintain a profitable enterprise, committed to our
customers with the highest degree of reliability and integrity.
In pursuit of this mission, we acknowledge the importance of relationships we
establish with the companies we represent, the customers whom we server, and the
people with whom we work.
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Priority Health
Founded in 1986, Priority Health is a nationally
recognized health insurance company based in Michigan.
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Vizzaccaro Agency
The Vizzaccaro Agency provides various types of
insurance to meet the needs of Michigan residents; including homeowners,
automobile, condo/renters commercial insurance and more. Serving South Eastern
Michigan and surrounding areas; including Eastpointe, Grosse Pointes, Harper
Woods, Warren, St. Clair Shores, Roseville, Fraser, Clinton Twp, Harrison Twp,
Shelby Twp, Macomb Twp and Washington Twp.
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Wisconsin-Michigan Insurance Agency
Wisconsin-Michigan Insurance Agency specializes in
all types of insurance protection. We meet the needs of our customers with
reliable and affordable insurance plans. But that's just the beginning. Our
customers know that with WI-MI Insurance, they not only recieve great value, but
great service too.
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See Also :
Insurance :
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Insurance, in law and
economics, is a form of risk management primarily used to hedge against the risk
of a contingent, uncertain loss. Insurance is defined as the equitable transfer
of the risk of a loss, from one entity to another, in exchange for payment. An
insurer is a company selling the insurance; an insured or policyholder is the
person or entity buying the insurance policy. The insurance rate is a factor
used to determine the amount to be charged for a certain amount of insurance
coverage, called the premium. Risk management, the practice of appraising and
controlling risk, has evolved as a discrete field of study and practice.
The transaction involves the insured assuming a guaranteed and known relatively
small loss in the form of payment to the insurer in exchange for the insurer's
promise to compensate (indemnify) the insured in the case of a large, possibly
devastating loss. The insured receives a contract called the insurance policy
which details the conditions and circumstances under which the insured will be
compensated.
Insurance involves pooling funds from many insured entities (known as exposures)
in order to pay for relatively uncommon but severely devastating losses which
can occur to these entities. The insured entities are therefore protected from
risk for a fee, with the fee being dependent upon the frequency and severity of
the event occurring. In order to be insurable, the risk insured against must
meet certain characteristics in order to be an insurable risk. Insurance is a
commercial enterprise and a major part of the financial services industry, but
individual entities can also self-insure through saving money for possible
future losses.
Global insurance premiums grew by 3.4% in 2008 to reach $4.3 trillion. For the
first time in the past three decades, premium income declined in
inflation-adjusted terms, with non-life premiums falling by 0.8% and life
premiums falling by 3.5%. The insurance industry is exposed to the global
economic downturn on the assets side by the decline in returns on investments
and on the liabilities side by a rise in claims. So far the extent of losses on
both sides has been limited although investment returns fell sharply following
the bankruptcy of Lehman Brothers and bailout of AIG in September 2008. The
financial crisis has shown that the insurance sector is sufficiently
capitalised. The vast majority of insurance companies had enough capital to
absorb losses and only a small number turned to government for support.
Advanced economies account for the bulk of global insurance. With premium income
of $1,753bn, Europe was the most important region in 2008, followed by North
America $1,346bn and Asia $933bn. The top four countries generated more than a
half of premiums. The US and Japan alone accounted for 40% of world insurance,
much higher than their 7% share of the global population. Emerging markets
accounted for over 85% of the world’s population but generated only around 10%
of premiums. Their markets are however growing at a quicker pace.
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