Independent Insurance Agency Serving Chesterfield, New Baltimore, Macomb County, & Beyond
Personal and Commercial Insurance for Michigan Families and Businesses
Customers First Insurance Group helps Michigan families and business owners compare coverage options from multiple insurance carriers, so you can make confident decisions without feeling pressured or confused.
Based in Chesterfield Township near New Baltimore, Customers First Insurance Group serves families and businesses throughout Macomb County, Metro Detroit, and Michigan. As an independent agency, we are not limited to one insurance company. That means we can help compare coverage options, explain important differences, and guide you toward policies that fit your needs instead of forcing every situation into the same box.
Serving Michigan Families and Businesses
Customers First Insurance Group is based in New Baltimore and serves clients throughout Chesterfield, Macomb County, Metro Detroit, and across Michigan. We work with families, homeowners, drivers, landlords, contractors, restaurants, retailers, professional offices, and many other clients who want more than a quick quote.
Because insurance needs can vary by location, property type, industry, and risk exposure, we take time to review the details. Michigan drivers have unique auto insurance decisions. Homeowners may need to think about wind, hail, water backup, flood, and liability concerns. Business owners may need to evaluate general liability, commercial property, workers compensation, commercial auto, professional liability, bonds, and other coverage options.
Personal and Business Insurance Under One Roof
Many clients come to us for one policy and later realize they need help reviewing several parts of their insurance program. A homeowner may also own rental property. A contractor may need personal auto, commercial auto, general liability, tools coverage, and workers compensation. A business owner may need life insurance, disability protection, or key person coverage in addition to their commercial policies.
Having one local independent agency review the full picture can make it easier to spot gaps, avoid duplicate coverage, and understand how different policies work together. We help you look beyond the price of one policy and consider the protection strategy behind it.
Personal Insurance
Personal insurance should protect more than just the basics. Michigan families may need to think about auto liability limits, home replacement cost, water backup, flood exposure, umbrella liability, life insurance, and coverage for recreational vehicles or seasonal property. We help review how these policies work together so you can better understand where you are protected and where gaps may exist. Whether you are buying a new home, adding a young driver, reviewing your liability limits, or simply wondering if your current policy still fits, our goal is to make the process clearer and easier to manage.
Auto Insurance
Auto insurance helps protect you, your passengers, your vehicle, and others on the road after an accident. We help Michigan drivers compare coverage options, liability limits, deductibles, and available discounts so your policy fits more than just the minimum requirement.
Home Insurance
Home insurance helps protect your house, personal belongings, and personal liability if something unexpected happens. We help homeowners review coverage for the structure, contents, loss of use, liability, deductibles, and common Michigan risks like wind, hail, fire, theft, and water-related damage.
Dwelling Fire Insurance
Dwelling fire insurance is often used for rental properties, vacant homes, seasonal homes, or properties that may not qualify for a standard homeowners policy. It can help protect the building itself and may include options for liability, loss of rents, and certain covered causes of damage depending on the policy.
Farm Insurance
Farm insurance helps protect the unique mix of property, equipment, liability, and business exposures that come with farming or hobby farming. Coverage may include farm dwellings, barns, machinery, livestock, liability, and other farm-related risks based on how the property is used
Flood Insurance
Flood insurance helps protect your home and belongings from damage caused by rising surface water, which is typically excluded from standard homeowners insurance. You do not have to live in a high-risk flood zone to consider flood insurance, and waiting periods may apply before coverage begins.
Personal Umbrella Insurance
Personal umbrella insurance provides an extra layer of liability protection above your home, auto, and other personal insurance policies. It can help protect your assets and future income if you are responsible for a serious accident, injury, or lawsuit that exceeds your underlying policy limits.
Commercial Insurance
Business insurance is rarely one-size-fits-all. A contractor, restaurant, retail store, medical office, landlord, condo association, auto repair sBusiness insurance is rarely one-size-fits-all. A contractor, restaurant, retail store, medical office, landlord, condo association, auto repair shop, landscaper, salon, or professional service business may all need very different coverage. We help Michigan business owners review options such as general liability, commercial property, commercial auto, workers compensation, professional liability, business income, equipment coverage, cyber liability, liquor liability, and bonds. Our focus is not just finding a policy, but helping you understand what the policy is designed to cover, what it may exclude, and how your coverage should adjust as your business grows.
Commercial Package Insurance
A commercial package policy can combine multiple important business coverages into one policy, often including general liability, commercial property, business personal property, and other coverage options. This can be a practical way for Michigan businesses to protect several parts of their operation while keeping coverage easier to manage.
General Liability Insurance
General liability insurance helps protect your business from claims involving bodily injury, property damage, personal injury, advertising injury, and certain lawsuits. It is one of the most common business insurance coverages and is often required by landlords, vendors, contractors, and clients before work begins.
Commercial Property Insurance
Commercial property insurance helps protect the buildings, equipment, inventory, furniture, tools, and business personal property your company depends on. Whether you own your building, lease space, or operate with valuable equipment, this coverage can help your business recover after covered losses like fire, theft, vandalism, wind, or certain types of water damage.
Commercial Auto Insurance
Commercial auto insurance helps protect vehicles used for business, including company cars, vans, trucks, and certain vehicles owned or used by employees for work purposes. It can provide coverage for liability, physical damage, hired and non-owned auto exposure, and other risks that personal auto insurance may not cover.
Workers Comp Insurance
Workers compensation insurance helps protect both your employees and your business if an employee is injured or becomes ill because of their job. It can help cover medical expenses, lost wages, and other benefits required by law, while also helping protect the business from certain employee injury lawsuits.
Professional Liability Insurance/E&O
Professional liability insurance, also known as Errors & Omissions or E&O insurance, helps protect businesses that provide advice, services, designs, recommendations, or professional expertise. If a client claims your mistake, missed deadline, bad advice, or failure to deliver caused them financial harm, this coverage can help with defense costs, settlements, or judgments depending on the policy.
Other Products
In addition to personal and commercial insurance, we can help with other important protection needs such as life insurance, health insurance, disability insurance, pet insurance, and bonds. These products can help protect income, loved ones, pets, business obligations, and long-term financial stability. Whether you are trying to protect your family, meet a contract requirement, prepare for the unexpected, or round out your insurance plan, we can help you review available options and understand how these products may fit into your overall protection strategy.
Life Insurance
Life insurance helps provide financial protection for the people who depend on you. Whether the goal is replacing income, paying off a mortgage, covering final expenses, or protecting your family’s future, we can help review options that fit your needs and budget.
Surety and Performance Bonds
Bonds can help guarantee that a business or individual will meet certain obligations, such as completing work, following contract terms, or complying with licensing requirements. Common examples include contractor bonds, license and permit bonds, and surety bonds required by municipalities, project owners, or government agencies.
Health and Disability Insurance
Health and disability insurance can help protect you from the financial impact of medical expenses, illness, injury, or time away from work. Health insurance helps with medical care costs, while disability insurance can help replace a portion of your income if you are unable to work due to a covered illness or injury.
Pet Insurance
Pet insurance can help offset the cost of veterinary care when your dog or cat gets sick or injured. Depending on the plan, coverage may help with accidents, illnesses, surgeries, prescriptions, diagnostics, and other eligible vet expenses, making it easier to focus on care instead of surprise bills.
Why Choose Customers First Insurance Group?
Choosing an insurance agency is about more than getting a quote. Rates can change, carrier guidelines can shift, and coverage needs can become more complex over time. Working with a local independent agency gives you a team that can help review your options when life changes, your business grows, or your current policy no longer fits the way it once did.
At Customers First Insurance Group, we believe clients should understand the coverage they are buying, not just the premium they are paying. We take time to explain limits, deductibles, exclusions, endorsements, and coverage options so you can make more confident decisions. Whether you are protecting your family, your home, your vehicles, or your business, our goal is to provide clear guidance and long-term support.
What areas does Customers First Insurance Group serve?
We are based in New Baltimore and serve clients throughout Chesterfield, Macomb County, Metro Detroit, and Michigan, Nevada, Ohio, Indiana, and Florida.
What types of insurance do you offer?
We help with auto, home, boat, RV, ATV, Snowmobile, flood, umbrella, life, business insurance, commercial auto, general liability, workers compensation, professional liability, garage keepers, and more.
Why choose an independent insurance agency?
An independent agency can compare options from multiple insurance carriers instead of offering only one company’s product. That can be especially helpful when rates change or your coverage needs become more complex.
Do you help with business insurance?
Yes. We work with Michigan business owners on general liability, commercial auto, workers compensation, professional liability, commercial property, and other commercial insurance needs.
What types of businesses can Customers First Insurance Group help?
We help a wide range of Michigan businesses compare insurance options, including bars, restaurants, grocers, electricians, plumbers, HVAC contractors, medical offices, retail stores, auto repair shops, landscaping companies, apartment buildings, condo associations, medispas, salons, and many other business types. Because every industry has different risks, we help review the coverages that may matter most, such as general liability, commercial property, workers compensation, commercial auto, professional liability, liquor liability, equipment coverage, and more.