Business Details
50+ Years
experience
Emergency
services
Your Trusted Insurance Partner in Charlevoix, MI
Bingham Insurance Services has been a trusted provider of comprehensive insurance solutions in northwest Michigan since 1975. Our team of certified professionals, including Chartered Insurance Counselors and Accredited Advisors in Insurance, specializes in personalized risk management strategies tailored to individual and business needs. With decades of combined experience, we prioritize client relationships and deliver expert guidance across home, auto, commercial, and specialty insurance programs. Our commitment to excellence is reflected in our prompt claims resolution, proactive policy reviews, and dedication to maintaining the highest standards of service.As a locally owned independent agency, we combine industry expertise with community knowledge to protect our clients' assets and futures. Our track record of long-term client partnerships underscores our ability to adapt to evolving insurance landscapes while maintaining personalized attention. We pride ourselves on transparent communication, ethical practices, and continuous professional development to ensure we meet the complex needs of our diverse clientele.
Services
Home Insurance
Auto Insurance
Business Insurance
Umbrella Insurance
Boat Insurance
Condominium Programs
Restaurant Insurance
Contractor Coverage
Life Insurance
Pet Insurance
Details
- Year established: 1975
Highlights and features
- We offer 50+ years of combined insurance expertise with certified professionals
- Our team provides 24/7 claims support for emergency situations
- We maintain partnerships with top-rated insurance carriers for competitive coverage
- Our personalized service includes annual policy reviews and risk assessments
- We specialize in complex insurance programs for unique properties and businesses
What people say
Prompt claims resolution
Knowledgeable representatives
Personalized service
Professional team
Competitive rates
Services
Home Insurance
Our home insurance policies protect residential properties against common risks including fire, theft, and natural disasters. We offer customizable coverage options for primary residences, vacation homes, and specialty properties. Our agents help clients understand policy details and select appropriate limits for their specific needs.
Business Insurance
We provide comprehensive business insurance packages including property, liability, and workers' compensation coverage. Our specialty programs cater to restaurants, hotels, and contractors with unique risk profiles. Policies can be customized with endorsements to address specific industry challenges and regulatory requirements.
Umbrella Insurance
Our umbrella insurance policies offer additional liability protection beyond standard home and auto policies. This coverage helps protect assets from major claims or lawsuits. We assist clients in determining appropriate coverage limits based on their individual risk exposure and financial situation.
Boat & Yacht Insurance
We specialize in boat and yacht insurance for recreational and commercial watercraft. Our policies cover physical damage, liability, and emergency assistance. We work with clients to tailor coverage for different vessel types, usage patterns, and navigational areas in Michigan's inland and Great Lakes waters.
Life Insurance
Our life insurance offerings include term and permanent policies to meet various financial protection needs. We help clients determine appropriate coverage amounts for family security, business succession, or estate planning purposes. Policies can be structured to provide death benefits with potential cash value accumulation.
People
Sam Bingham
Principal
With over 30 years in insurance, Sam Bingham leads our agency with expertise in risk management and commercial insurance solutions. He holds multiple industry certifications and focuses on building long-term client relationships.
Darlin LaFave
Commercial Lines Account Manager
Darlin LaFave specializes in commercial insurance with 15+ years of experience. She holds industry certifications and focuses on delivering tailored solutions for business clients while maintaining exceptional service standards.
Jay Bingham
Consultant
Jay Bingham brings extensive insurance consulting experience, helping clients navigate complex coverage decisions. He focuses on developing strategic insurance solutions for both personal and business risk management needs.
Willem Drogt
Producer Sales Agent
Willem Drogt specializes in insurance sales with particular expertise in connecting clients with appropriate coverage solutions. He maintains strong relationships with multiple carriers to find optimal policy options for clients.
Jenna Horrigan
Personal Lines Service Agent
Jenna Horrigan provides expert service in personal insurance lines, known for her responsiveness and thorough policy explanations. She focuses on ensuring clients understand their coverage options and make informed decisions.
Questions
What areas do you serve?
We primarily serve northwest Michigan including Charlevoix, Petoskey, Traverse City, and Beaver Island, with coverage options available across the state.
What types of insurance do you offer?
We provide home, auto, business, umbrella, boat, life, and specialty insurance programs for both personal and commercial clients.
How quickly do you handle claims?
We prioritize prompt claims resolution with 24/7 support available for emergency situations through our after-hours claim line.
Can you help with specialized insurance needs?
Yes, we offer specialty programs for condominiums, restaurants, contractors, and other unique risk profiles with tailored coverage options.
How do you ensure competitive pricing?
As an independent agency, we compare policies from multiple top-rated carriers to find the best coverage at competitive rates for each client.
What certifications do your agents hold?
Our team includes Chartered Insurance Counselors (CIC), Accredited Advisors in Insurance (AAI), and other industry-certified professionals with specialized expertise.
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Reviews (3)
Jinell Delisi
Apr 12, 2020
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Bingham Insurance is a great place to do business for all your insurance needs. I have worked with Darlin Lafave for 30 years and know she provides the most personable and professional service you will find anywhere! The entire agency is top notch.
Denny Way
Dec 02, 2019
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Truly a professional staff. They have handled our personal and commercial insurance for many years. A pleasure to work with people that know the meaning of service!
David M.
Oct 24, 2016
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We have been with Bingham Insurance for years now ( business & personal ) and it has been a very professional and pleasant experience. The team is very prompt and professional.
