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Homeowners and Auto Insurance in Boyne City and Petoskey, MI

Kruzel Insurance and Financial Services Agency

It’s not easy to find an agency that delivers insurance solutions to fit your needs and budget and knows who you are, but we’re one of them.  We’ve served individuals and businesses for more than 15 years and know how to provide the best insurance experiences possible.  We’re locally owned and operated can write a policy for you, whether you’re trying to protect your business, your assets or your family. 

Insurance Portfolio Management

We specialize in insurance portfolio management to best serve our client’s needs. Insurance portfolio management is the process of interviewing the client to understand their appetite for risk and risk aversion. Normally, insurance agents only ask what you would like to insure. We like to take it one step further: we ask ourselves what you need. Many people don’t realize what they should cover to best protect themselves; that’s where we come in. We insure not only the client but also other potential risks they might have. We then build an insurance portfolio program specific to their needs. 

We also write both personal and commercial policies, pulling together coverage into packages that provide the greatest value. From homeowners, auto, and life insurance to business, employee, and farm insurance, we provide it all.  We have a specific program for the wood industry, which serves businesses dealing with wood products of all kinds.

If you’re a business owner, we provide professional liability, workers compensation, and commercial property insurance.  We have other commercial coverages as well.  

If you’d like to learn more about our offerings, please see our products page.

Local, Experienced Agents Providing Services and Support

We manage and procure all of the insurance products that clients need.  We’re also known for taking on complex insurance challenges.  We’re friendly, helpful, and knowledgeable, and we stay in touch with clients regularly.  We work hand-in-hand with our insurance companies in order to ensure that clients get what they deserve from their claims.  

We take a hands-on approach to serving clients and we take a similar approach to our communities. Our passion for our business translates to our passion for our local community, where we’re involved with the local youth, athletics and church community.  

Please contact us or give us a call today.  You can request a quote if you’re ready to start a policy.

Additional Insurance Informaiton:


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.

Our Location

Kruzel Insurance

310 S Lake St, Unit 4
Boyne City, MI 49712
Main office: 231-307-1525
Toll free: 888-534-4848

Our Providers