When approaching business insurance, we commit to understanding your entire business operation. Through this we can assure proper coverages are written to avoid dangerous gaps in your protection.

To accomplish this, Heritage has developed an Account Survey Method that will define your particular insurance needs.

1. Perform, in person, a complete risk survey of your business.
2. Review current policies against our survey as to rating classes, terms conditions, and policy language.
3. Select one or more insurance companies to review and underwrite your account.
4. Work with the carriers on pricing and special coverages.
5. Make a presentation and recommendations to adequately cover your insurance needs, in a clearly, understandable manner.

When we become your insurance agency, we will promptly issue binders and certificates as necessary. We will define service guidelines with your firm that will include policy delivery, written procedures for handling routine insurance tasks, and periodic visits by the agent.

A combination of our extensive business experience and our proven survey methods will assure you dependable insurance coverage. Our goal at Heritage is to provide you worry-free insurance.

Employee benefits are one of the most costly items in your business budget, but an absolute necessity in attracting and retaining quality individuals in your organization. At Heritage we understand this dilemma and are committed to providing the most for each benefit dollar.

We specialize in employee benefits, as an integral part of the business protection we offer. Our group specialist has ten years of full time employee benefit experience.

We work with you to provide top notch benefits for your employees, while making administration of the program simple for you. We will conduct meetings for your employees and spouses to explain benefits and how to complete claim forms. We will keep you out of the middle of employee claim problems by encouraging them to call us if they encounter difficulties in the claim process.

We offer the full range of products including health savings accounts, fully insured and self-funded health insurance, group life, short and long term disability, dental, vision, and 401k.

We represent only financially stable insurance companies who have a proven record of prompt and efficient claim payment. Among the companies we represent are Blue Cross and Blue Shield of Michigan, HealthPlus of Michigan, American Medical Security, Fortis, Humana, Guardian, Met Life, and Principle.

Our goal is simple - we attempt to improve your benefit program while saving you money. We know you will find Heritage Agency unique in the level of service we will provide you and your employees.