Superior Insurance Group is here to help you find quality insurance solutions.
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Welcome to Superior Insurance Group
Learn more about our agency.
Superior Insurance Group, formerly Northway Plum Insurance Agency, is a local independent insurance agency with one mission: to go above and beyond your expectations. Insurance can often seem cold and unfriendly, but we’ve been looking to change that since we opened in 1882. When you work with us, we strive to make you feel cared for and not like another number in a spreadsheet. We’ll act as your trusted guides, helping you find coverage to help you meet your needs.
Because we’re independent, we work with a variety of top-rated carriers. That means we can work with you to help you find a mix of price, policy, and service to help you protect what matters most. With our commitment to fast, fair, and friendly, you can trust that you’re working with an agency that has your best interests at heart. Whether you need protection for your business, your family, your home, or more, we can help you.
About Our Agency
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As an independent agency, we are here to help you find the right coverage.
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
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We represent multiple insurance companies.
We are by your side every step of the way.
We offer a wide variety of insurance solutions.
We are there for you in your time of need.
The Solution to Your Insurance Needs
Providing a variety of business insurance, personal insurance, and employee benefits solutions is what Superior Insurance Group does best.
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Professional Associations
Our professional associations signal a dedication to customer service and helping our clients to the best of our ability.
Real clients. Real reviews. Real coverage.
“Paul and his team are the absolute best. They are professional, thorough, and great to work with. Highly recommend working with Superior!”
– Noah T.
”Paul Wiese goes above and beyond to make sure his customers are properly insured with the exact coverage they need. I’d highly recommend Superior Insurance Group.
Angie S.
”If you need someone to walk you through your policy and make sure you have adequate coverage, the folks at Superior Insurance Group are the right people for the job!
Paul D.
Serving Michigan and More
We have two convenient offices in Bay City, MI, and Gaylord, MI, allowing us to serve clients throughout Michigan and over four other states.
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What We Offer
- Our streamlined and efficient process.
- The same treatment for all commercial lines accounts.
- Annual reviews for commercial and personal lines accounts.
- Commercial line checklists.
- One-on-ones to make sure nothing gets missed.
- Optional considerations or enhancement coverages.
- True value, not just price.
Interactive Graphic
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
Commercial General Liability / Garage Liability
Risk Factor
Your repair shop may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. For example, if a customer accidentally trips and falls while on the premises of your repair shop, you can become exposed to a potential lawsuit and held financially responsible for any injuries that result from the accident.
Solution
Commercial general liability insurance is an absolute necessity for every repair shop. This type of protection provides broad coverage for premises, operations, completed operations and advertising, and personal injury. It will also pay to defend any covered lawsuit or action regardless of its merit. Coverage can be purchased as a separate policy and can be tailored to your specific needs.
Commercial Property Insurance
Risk Factor
When a gas tank explosion causes an uncontrollable fire, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your repair shop business.
Solution
Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
Property of Others - Garagekeepers
Risk Factor
The nature of your business means you’re responsible for valuable cars, trucks, and other automobiles. As a repair shop owner, you’re trusted to safeguard vehicles belonging to others. This responsibility brings with it potential liability of being held financially responsible for property damage caused to these vehicles while in your care, custody, and control.
Solution
You should purchase physical damage coverage, referred to as garagekeepers coverage, designed to help you protect your customers’ property and your business in the event that accidents, injuries, or property damage occurs. This protection covers the costs that arise from unfortunate and unforeseeable events, not bad workmanship, faulty parts, or warranties.
Inland Marine and Equipment Floater
Risk Factor
You’re constantly moving your tools from one area of your repair shop to another, exposing your business to potential loss due to damage or theft. And without your specialized tools and equipment, your repair job may come to a screeching halt.
Solution
You can purchase special equipment insurance designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects, and overturning.
Workers' Compensation
Risk Factor
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Solution
Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.
Business Auto Insurance
Risk Factor
As a repair shop owner, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your business in financial jeopardy.
Solution
Business auto insurance provides coverage for vehicles owned or leased by a repair shop and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.
Commercial Umbrella / Excess Insurance
Risk Factor
Losses and lawsuits are quite common in the repair shop business, and settlements can be substantial. If your business is found to be responsible for damage or injury, you could be facing a large liability loss that exceeds the basic limits of your standard policy.
Solution
You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.
Garage Repair Shop 101
Make sure you cover the unique risks you face with garage repair shop insurance.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
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