Customer Focused. Committed. Trusted.

At the Champagne Agency, we are devoted to providing great rates and protection to our local community and beyond.

Meet Our TeamInsurance Quote

Customer Focused. Committed. Trusted.

At the Champagne Agency, we are devoted to providing great rates and protection to our local community and beyond.

Meet Our TeamInsurance Quote

About Champagne Agency

The Champagne Agency began in 1998 and has since been named a top producing agency.

Please, kick back and relax as we hold our glasses up and toast to you! Thank you for taking the first step in allowing the Champagne Agency to help you feel secure about your insurance needs and protecting what truly matters most.

At the Champagne Agency, we understand that insurance can be tedious but we’d like to change your mind about your experience and make it more enjoyable by bringing some fun and humor during your hunt for coverage. Our full-of-life agents are always here educate and guide you in the right direction, even if it takes a meme or gif to do it!

The Champagne Agency has been growing our family of clients in the downriver area of Riverview, MI for over 20 years. We offer a broad range of personal insurance, business insurance and employee benefits programs throughout the Metro Detroit area and all of Michigan State.

About Our AgencyInsurance Quote

We once read a story where a claimant was filling out a claim form. The first question, “What warning was given by you?” The claimant answered, “Horn.” The second question read, “What warning was given by the other party?” The claimant replied, “Moo.” — See, insurance can be enjoyable!

Our Ideal Client

Our ideal clients are homeowners with multiple vehicles, established business owners and of course the hard working blue collar family.

Personal

Business

Benefits

Personal Insurance

Life happens fast, and the truth is there’s nothing as valuable as peace of mind. Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.

Business Insurance

In today’s ever-changing environment, risk is constant. Business insurance isn’t. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

Employee Benefits

The cost of benefits is rising significantly, while employees consistently seek more from their benefits packages. We can design an employee benefits program that makes sense for your company and your employees.

What Makes Us Stand Out

Our Agency Stats & Facts

01.

Champagne Agency has been protecting clients for over 20 years.

02.

We are active in the community and give back through donations and support veteran causes.

03.

We care about our customers and are very proud of our raving reviews.

04.

All of our staff are licensed professionals and Tamara holds an SCBS designation as a small business coverage specialist.

05.

We offer a referral program and send a $5 gas card to every client that refers someone to us. We also donate $5 to the charity of the month.

06.

We are the exclusive agency for the Michigan Licensed Beverage Association (MLBA) in the Greater Metro-Detroit area, with an exclusive program for Liquor Liability.

07.

We offer special discount programs for our clients who work in the automotive area as well as post office workers.

08.

We belong to SIAA (Strategic Insurance Agency Alliance) and have been the top producing agency in Michigan for 5 years running.

Featured Testimonials

What Our Customers Are Saying

Read some of our raving reviews!


Areas We Serve

Also providing insurance throughout Metro Detroit, the downriver area and Southeast Michigan.

Our Riverview, MI Office

18555 Fort St
Riverview, MI 48193

There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Personal InsuranceBusiness InsuranceEmployee Benefits
Manufacturer

Commercial General Liability Insurance

Risk Factor

The manufacturing business is unique and comes with many exposures, which can lead to a potential lawsuit. What if a fire breaks out and damages the building and halts production - causing you to default on your delivery contracts? Would your business survive?

Solution

Commercial general liability insurance is an absolute necessity for a manufacturing business. 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. Coverage limits generally range from $100,000 to $1,000,000.

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 manufacturing 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.

Business Interruption Insurance

Risk Factor

What would you do if a fire impacted the operation of your production line and prevented you from serving clients for a day or more? Or what if a pipe leak caused a system outage or extended downtime, leaving your production line inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business interruption insurance compensates you for lost income if your manufacturing facility cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Product Recall Insurance

Risk Factor

When a product you manufacture is found to be defective and causes bodily injury or property damage to others, you may be held financially liable. Product recalls can be involuntary (required by a regulatory agency or the government) or voluntary (the manufacturer notices a defect that is unlikely to force an involuntary recall), and can be costly.

Solution

Product recall insurance covers expenses associated with recalling a product from the market. Coverage can include customer notification costs, shipping costs and disposal costs. Coverage generally applies to the manufacturing business itself, though additional coverage can be purchased to cover the costs of third parties.

Workers’ Compensation and Employers Liability

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 and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.

Business Auto Insurance

Risk Factor

As a manufacturing business, 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 your manufacturing business and provides coverage for bodily injury, property damage and other exposures, and could include comprehensive and collision coverage as well.

Commercial Umbrella / Excess Insurance Policy

Risk Factor

Losses and lawsuits are quite common in the manufacturing 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 your general liability insurance, workers’ compensation and business auto insurance. It provides a great safety net and helps ensure your manufacturing business is well protected.

Motor Truck and Ocean Cargo Insurance

Risk Factor

As a manufacturer, you’re constantly shipping your cargo around the world either by land, air or sea – exposing your business to risk as a result of product loss, theft or damage.

Solution

You can purchase ocean marine insurance for your products while your shipments of goods are in transit - by truck, rail, air, ship or boat - until they reach their final destination.

Champagne Agency Client Portal

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