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Your Trusted Insurance Partner in Michigan's Upper Peninsula
Tervo Agency has been serving clients since 1864, dedicated to providing personalized insurance solutions tailored to individual and business needs. As a locally owned agency with offices in Hancock and Marquette, Michigan, we specialize in personal and commercial insurance coverage across Michigans Upper Peninsula and the Midwest. Our independent status grants access to a wide range of insurance providers, enabling us to curate policies that align precisely with client requirements. Through one-on-one consultations, we assess risks and design customized plans that ensure comprehensive protection. In the event of claims, our team guides clients through the process, prioritizing swift resolution and support.With over 75 years of combined experience among our licensed agents, we emphasize transparency, expertise, and client-centric service. Our commitment extends beyond policy sales to fostering long-term relationships built on trust and reliability. We operate with the philosophy that insurance should be simplified, accessible, and adaptable to evolving client needs. This approach has earned us enduring client loyalty and recognition as a leader in regional insurance services. Our team remains dedicated to upholding these standards while adapting to industry advancements and client expectations.
Services
Homeowners Insurance
Auto Insurance
Life Insurance
Business Insurance
Commercial Package
General Liability
Workers Compensation
Fidelity Bonds
Umbrella Insurance
Disability Insurance
Highlights and features
- We have over 150 years of experience in the insurance industry.
- Our team provides hands-on, customized insurance solutions.
- We offer access to a wide range of insurance providers.
- Our agents prioritize transparency and client-focused service.
- We specialize in both personal and commercial insurance needs.
What people say
Very helpful
Easy to work with
Smoothly and professionally
Comprehensive coverage
Trusted expertise
Services
Homeowners Insurance
Homeowners insurance protects against property damage and loss of belongings due to storms, fires, or other covered events. We design policies to safeguard your home investment while offering liability coverage for added security. Our agents ensure clear policy terms and tailored protection for Michigan residents.
Business Insurance
Business insurance provides comprehensive coverage for commercial risks, including property damage, liability claims, and operational disruptions. We create customized policies addressing specific industry needs, ensuring businesses maintain continuity and financial stability through unexpected challenges.
Auto Insurance
Auto insurance covers repair costs and medical expenses from accidents, theft, or natural disasters. Our policies meet state requirements while offering additional protections like umbrella coverage. We help clients select optimal limits and deductibles for their driving needs.
Life Insurance
Life insurance provides financial support to beneficiaries upon policyholder death, covering mortgages, education costs, and estate planning needs. We offer term and permanent policies tailored to family protection goals and long-term financial strategies.
Workers Compensation
Workers compensation covers medical expenses and lost wages for job-related injuries or illnesses. We ensure compliance with state regulations while providing policies that protect both employees and employers from financial liabilities associated with workplace incidents.
People
Mike Mikkola
Agent
Mike Mikkola combines decades of insurance expertise with personalized service, focusing on tailored coverage solutions for Hancock area clients.
Ryan Riipi
Agent
Ryan Riipi delivers specialized insurance strategies for Marquette businesses and residents, leveraging extensive industry knowledge to address unique risk profiles.
Sonja Dellies
Agent/Customer Service
Sonja Dellies provides comprehensive insurance guidance and responsive support, ensuring Marquette clients receive timely assistance with policy and claims management.
Questions
What areas does Tervo Agency serve?
We provide insurance services throughout Michigan's Upper Peninsula and the Midwest region.
What types of personal insurance do you offer?
We offer homeowners, auto, motorcycle, life, disability, and umbrella insurance policies tailored to individual needs.
How do you customize business insurance policies?
We conduct detailed risk assessments and combine multiple coverage options to create comprehensive protection programs for each business.
Can you help with specialized insurance needs?
Yes, we handle unique requirements like vintage car restoration, home remodeling projects, and special event coverage.
How do I file a claim?
Contact our office directly or use our online portal to initiate the claims process, and our team will guide you through documentation and resolution.
