Fischer Insurance
Fischer Insurance is a family-owned independent insurance agency founded in 1969 in Bellaire, Michigan, offering personal, commercial, and industry-specific coverage through two offices and seven carrier partnerships.
- Company typePrivate
- Founded1969
- HeadquartersBellaire, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Fischer Insurance does
Fischer Insurance is a privately held, family-owned independent insurance agency founded in 1969 and headquartered in Bellaire, Michigan, with a second office in Elk Rapids. The agency sells personal lines (home, auto, motorcycle, condo, renters, life, umbrella, watercraft, wedding, flood, identity theft, long-term care, disability, RV, snowmobile, classic car), commercial lines (business owners policy, commercial auto, general liability, commercial property, cyber liability, workers' compensation, commercial umbrella, D&O, EPLI, E&O, surety bonds, inland marine), and industry-specific packages for 80+ verticals including breweries, wineries, contractors, restaurants, and farms. As an independent agency, it earns carrier commissions by placing and renewing policies on behalf of clients across seven insurance carriers (Auto Owners, Cincinnati, Frankenmuth, Fremont, Grand River, Progressive, West Bend).
Fischer Insurance firmographics
Firmographics- Name
- Fischer Insurance
- Legal name
- Fischer Insurance
- Website
- https://fischerins.com
- Company type
- Private
- Founded year
- 1969
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Fischer Insurance is a family-owned independent insurance agency founded in 1969 in Bellaire, Michigan, offering personal, commercial, and industry-specific coverage through two offices and seven carrier partnerships.
- Ownership category
- akta.pro rank
Fischer Insurance industry classification
Industry- Product category
- Independent Insurance Agency (Personal, Commercial, and Industry-Specific Insurance Brokerage)
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)
- akta.pro secondary industries
- Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ), Standalone Umbrella Liability (FSAJANAE), Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD)
Keywords
Where Fischer Insurance is headquartered
LocationHeadquarters
- HQ city
- Bellaire
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Fischer Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Insurance Commissions: As an independent insurance agency, Fischer Insurance earns commissions from insurance carriers for policies placed and renewed. They represent multiple insurance companies including Auto Owners, Cincinnati Insurance, Frankenmuth Insurance, Fremont Insurance, Grand River, Progressive, and West Bend.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Custom insurance quotes tailored to individual needs |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
Fischer Insurance product offering
Product offeringCore offering
Fischer Insurance is an independent insurance agency that places personal, commercial, and industry-specific insurance policies on behalf of Michigan clients, earning carrier commissions. It represents multiple insurance carriers (Auto Owners, Cincinnati, Frankenmuth, Fremont, Grand River, Progressive, West Bend) and provides coverage advisory, policy servicing, and claims support through two physical offices, a client portal, and a mobile app.
Product overview
Fischer Insurance is an independent insurance agency offering a comprehensive portfolio of insurance products and services. The company provides Personal Insurance (home, auto, motorcycle, condo, renters, and specialty coverages), Business Insurance (business owners policies, commercial umbrella, general liability, commercial property, and specialized coverages), and Insurance by Industry (tailored coverage for contractors, breweries, wineries, non-profits, restaurants, and 80+ other industries). The company also offers digital services including a mobile app and Clickable Coverage interactive graphics. Fischer Insurance serves clients through two Michigan offices in Bellaire and Elk Rapids, representing multiple insurance carriers including Auto Owners, Cincinnati Insurance, Frankenmuth Insurance, Fremont Insurance, Grand River, Progressive, and West Bend.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Insurance Personal insurance solutions covering home, auto, motorcycle, condo, renters, and specialty coverage including high net worth, life insurance, umbrella, watercraft, wedding, annuities, classic car, flood, home cyber, identity theft, long-term care, disability, RV, snowmobile, pet, and valuable possessions insurance for individuals and families.
- Business Insurance Business insurance solutions including business owners policies, business auto, commercial umbrella, general liability, commercial property, cyber liability, environmental insurance, workers' compensation, builders risk, business interruption, commercial bonds, commercial flood, crime, directors and officers, employment practices liability, errors and omissions, event, fiduciary, fleet, inland marine, key person life, liquor liability, surety bond, systems breakdown, and vacant building insurance.
- Insurance by Industry Industry-specific insurance coverage tailored for contractors, breweries, wineries, non-profits, restaurants, adventure and entertainment, aviation, child care centers, churches, condo buildings, dance studios, dealerships, dental offices, distilleries, farms, fire departments, fitness centers, food trucks, garage repair shops, golf courses, hospitality, landlords, landscaping services, manufacturers, medical offices, nightclubs, pet businesses, property managers, schools, technology firms, trucking, veterinary offices, warehousing, and many other specialized industries.
- Home Insurance Homeowners insurance protecting homes against risks including fire, flood, property damage, personal liability, medical expenses, personal property, additional living expenses, and specialized coverage for jewelry, fine arts, wine collections, and secondary homes.
- Auto Insurance Auto insurance providing coverage for bodily injury liability, property damage, medical payments, personal injury protection, uninsured/underinsured motorist, physical damage, collision, comprehensive, and rental coverage.
- Motorcycle Insurance Motorcycle insurance covering liability, collision, comprehensive, theft, custom parts, uninsured motorist, and roadside assistance for motorcycles.
- Business Owners Insurance (BOP) Business owners policy (BOP) combining business property and liability insurance including coverage for errors and omissions, directors and officers, commercial umbrella, general liability, crime, environmental, systems breakdown, workers' compensation, business auto, employment practices liability, cyber liability, business income, and commercial property.
- Business Auto Insurance Commercial vehicle insurance covering bodily injuries, collisions, named perils, and non-owned auto liability for businesses with fleets or commercial vehicles.
- Commercial Umbrella Insurance Supplemental liability coverage providing $2,000,000 to $10,000,000 in high limits extending over general liability, workers' compensation, business auto, and directors and officers coverage.
- General Liability Insurance Coverage for bodily injury, property damage, advertising injury, and medical payments to protect businesses against claims from third parties.
- Commercial Property Insurance Protection for business property including buildings, equipment, inventory, furniture, fixtures, and associated losses such as lost income from business interruption.
- Brewery Insurance Specialized insurance for breweries covering business auto, commercial property, contamination and spoilage, crime, cyber liability, employment practices liability, equipment breakdown, liquor liability, product recall, workers' compensation, environmental liability, premises liability, supply chain, special events, and bonds.
- Winery Insurance Coverage for wineries including business property, general liability, commercial automobile, crime, liquor liability, equipment breakdown, contamination and spoilage, inland marine, workers' compensation, cyber liability, product recall, employment practices liability, crop insurance, vine and trellis, farm liability, special events, and environmental liability.
- Non-Profit Insurance Insurance for non-profit organizations covering directors and officers, general liability, commercial property, employment practices liability, business income, and professional liability.
- Restaurant Insurance Comprehensive coverage for restaurants including liquor liability, valet parking, business income, employment practices liability, sign coverage, systems breakdown, flooding, cyber liability, improvements and betterments, food contamination, spoilage, employee theft, and commercial auto.
Companies that use Fischer Insurance
Customer profileSegments3 records
Fischer Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Fischer Insurance partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- Auto Owners InsurancecoreAuto Owners Insurance is a primary insurance carrier represented by Fischer Insurance. Clients can access billing, claims reporting, and policy services through Auto Owners. Contact: 800-346-0346 (claims), 800-453-6170 (Fischer).
- Cincinnati Insurance CompaniescoreCincinnati Insurance Companies is an insurance carrier represented by Fischer Insurance. Services include billing (888-242-8811), claims (877-242-2544), and policy management through the carrier.
- Frankenmuth InsurancecoreFrankenmuth Insurance is an insurance carrier represented by Fischer Insurance. Billing: 800-234-1133, Claims: 800-234-4433.
- Fremont InsurancecoreFremont Insurance is an insurance carrier represented by Fischer Insurance. Billing: 888-968-3664, Claims: 888-968-3664.
- Grand River InsurancecoreGrand River Insurance is an insurance carrier represented by Fischer Insurance. Contact: 248-519-2390.
- ProgressivecoreProgressive is a national insurance carrier represented by Fischer Insurance. Billing: 888-671-4405, Claims: 800-776-4737.
- West Bend (The Silver Lining)coreWest Bend Insurance, operating as The Silver Lining, is an insurance carrier represented by Fischer Insurance. Billing: 800-236-5010, Claims: 877-922-5246.
- Trusted ChoiceminorTrusted Choice is an independent insurance agency association and marketing brand. Fischer Insurance is a proud partner, displaying the Trusted Choice logo as part of their independent agency positioning.
Scale indicators3 records
Recent moves7 records
Expansion highlights5 records
Fischer Insurance competitors and assessment
Company assessmentDirect peers
- Brown & Brown: Brown & Brown is a publicly traded insurance brokerage and program manager with a multi-carrier independent agency model similar to Fischer's. While much larger, its core business of placing personal, commercial, and specialty lines through carrier appointments is directly analogous to Fischer's operations.
- Hub International: Hub International is a large North American insurance brokerage that has grown primarily by acquiring regional independent agencies. Its business model — placing personal, commercial, and specialty coverage across multiple carriers — is directly comparable to Fischer's, and it actively acquires agencies of Fischer's size.
- The Hilb Group: The Hilb Group is a mid-market insurance brokerage built through acquisitions of independent agencies offering personal, commercial, and specialty coverage. Its acquisition-led growth strategy and agency model make it a near-direct peer to Fischer Insurance, both in operations and as a strategic acquirer.
- Acrisure: Acrisure is a fast-growing insurance brokerage built largely through acquiring independent agencies like Fischer Insurance. Both operate as multi-carrier agencies placing P&C, commercial, and specialty lines — Acrisure is the prototypical roll-up buyer that would view Fischer as a tuck-in target in the Michigan market.
- Assuremax: Assuremax is an independent insurance agency network providing multi-carrier personal and commercial coverage to member agencies and clients. Comparable to Fischer's independent agency model, particularly in how it aggregates carrier access for agencies of Fischer's size.
- World Insurance Associates: World Insurance Associates is an insurance brokerage that has grown by acquiring independent agencies across the U.S., offering personal, commercial, and specialty lines through multiple carrier appointments. It is a direct comparable to Fischer as both an operational peer and a likely roll-up acquirer.
Broad incumbents
- Marsh McLennan: Marsh McLennan is one of the largest global insurance brokerages and consulting firms, operating across personal, commercial, and specialty lines. As a broad incumbent in the same industry, it does not directly compete for Fischer's small commercial accounts but represents the upper bound of where a Fischer could be aggregated.
- Arthur J. Gallagher & Co. Arthur J. Gallagher is a global insurance brokerage and risk management firm offering P&C, commercial, and specialty insurance placement. While much larger and broader than Fischer, it competes for the same commercial clients and would be a strategic acquirer of regional independent agencies like Fischer.
- USI Insurance Services: USI Insurance Services is a large U.S. insurance brokerage and consulting firm offering commercial, personal, and specialty coverage. While broader and larger than Fischer, USI directly competes for mid-market commercial accounts and would view Fischer's commercial book as acquisition territory.
Others
- Trusted Choice: Trusted Choice is a national network and consumer brand for independent insurance agencies, of which Fischer Insurance is a member. As an ecosystem/brand partner rather than a competitor, it provides Fischer with co-branded marketing, referral traffic, and shared carrier access — directly comparable to Fischer's stated affiliation.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Fischer Insurance social profiles
Digital presenceFischer Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fischer Insurance leadership team
Management profileNumber of profiles
Fischer Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fischer Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fischer Insurance
What does Fischer Insurance do?
Fischer Insurance is an independent insurance agency that places personal, commercial, and industry-specific insurance policies on behalf of Michigan clients, earning carrier commissions. It represents multiple insurance carriers (Auto Owners, Cincinnati, Frankenmuth, Fremont, Grand River, Progressive, West Bend) and provides coverage advisory, policy servicing, and claims support through two physical offices, a client portal, and a mobile app.
Is Fischer Insurance a public or private company?
Fischer Insurance is a private company. It is currently operating.
When was Fischer Insurance founded?
Fischer Insurance was founded in 1969. It employs 11 to 50 people.
Where is Fischer Insurance based?
Fischer Insurance is headquartered in Bellaire, United States, in the North America region.
How does Fischer Insurance make money?
One revenue line is on record: insurance Commissions.
Who are Fischer Insurance's main competitors?
Direct peers on record are Brown & Brown, Hub International, The Hilb Group, Acrisure, Assuremax and World Insurance Associates. Broad incumbents are Marsh McLennan, Arthur J. Gallagher & Co. and USI Insurance Services. Trusted Choice is listed as an others.
Does Fischer Insurance have an API?
No public API is recorded for Fischer Insurance.
What industry is Fischer Insurance in?
Fischer Insurance's product category is Independent Insurance Agency (Personal, Commercial, and Industry-Specific Insurance Brokerage). Its primary akta.pro industry code is FSAIAEAD, Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident), with a secondary code of HLAEABAJ, Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity). Its NAICS code is 5242 and its SIC code is 6411.