Saginaw Bay Underwriters (SBU) is an independent insurance agency in the Great Lakes Bay Region of Michigan, offering risk advising and insurance services to businesses, employers, and individuals and families. We use a proprietary, three-step approach called The Clear Advantage™ to ensure clear results for our clients, not just insurance. Originally founded in 1863 to insure the lumber industry throughout the Saginaw Valley, SBU is now one of Michigan’s largest insurance agencies, serving more than 12,000 clients.

Haley, Ward & Associates is a highly regarded insurance broker that caters to the needs of large and midsize employers. With a focus on exceptional customer service and expertise, they have established a strong reputation among their clients. Located in Bad Axe, Michigan, their local office is well-known for its proficiency in serving the Bad Axe market. One notable example of their successful collaboration is with Cooperative Elevator Co., a prominent employer in the warehousing and storage industry, comprising 270 members. By working closely with Cooperative Elevator Co.'s HR and finance team, Haley, Ward & Associates expertly crafted a tailored self-funding arrangement to suit the unique requirements of their members. In addition to their specialization in self-funded employers, Haley, Ward & Associates possesses comprehensive knowledge and experience across various industries. Their expertise extends to healthcare and social assistance, as well as the warehousing and storage sectors. Their commitment to providing superior insurance solutions has attracted a diverse range of clients, including well-known organizations such as Scheurer Health and Harbor Beach Community Hospital. With a wide geographic reach, this branch of Haley, Ward & Associates serves clients in Massachusetts, Arkansas, New York, California, and the District of Columbia. As one of the top brokerages in the Bad Axe, MI market, Haley, Ward & Associates continues to demonstrate their dedication to delivering top-notch insurance services while consistently exceeding client expectations.