Insurance Solutions for What Matters Most
About us
Learn more about EFS Insurance Group.
Discover what makes EFS Insurance Group different.
EFS Insurance Group is an independent insurance resource for people who want help navigating personal, commercial, health, and Medicare coverage. We focus on listening first, explaining options clearly, and helping you choose solutions that make sense for your situation.
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(810) 202-6030Welcome to EFS Insurance Group
Protection for Your Business, Your Health, and Your Home
Insurance isn’t one-size-fits-all. Whether you’re protecting a growing business, your family’s health, or the place you call home, EFS Insurance Group is here to help you sort through your options and choose coverage that fits your needs and budget. Talk with us about what you want to protect, and we’ll walk you through options in clear, straightforward terms.
Insurance Guidance You Can Rely On
EFS Insurance Group offers a wide range of insurance solutions for businesses and individuals. From commercial and general liability coverage to auto, home, health, and Medicare, we help you put the right pieces in place so you’re prepared for the unexpected. We take the time to understand your situation, explain coverage options, and help you feel confident in the decisions you make—without pressure or confusion.
Featured Insurance Solutions
Start with the type of coverage that matters most to you right now. EFS Insurance Group can help you combine multiple policies and review how they work together.
Business & Commercial Insurance
Coverage options to help protect your company, property, income, and operations from everyday risks.
General Liability Insurance
Core liability protection to help safeguard your business from claims of bodily injury, property damage, and more.
Health Insurance
Health insurance options to help you and your family access the care you need while managing costs.
Medicare Coverage
Guidance to help you understand Medicare choices and find coverage that aligns with your healthcare needs.
Auto Insurance
Auto coverage options to help protect you, your passengers, and your vehicle on the road.
Homeowners Insurance
Home insurance solutions to help protect your house, belongings, and personal liability.
Business Insurance
Protecting Your Business
Running a business comes with risk. EFS Insurance Group helps you identify those risks and explore coverage options to help protect what you’ve built. Whether you’re just getting started or looking to review existing coverage, we can walk through your current policies and discuss where adjustments may make sense.
Commercial Insurance
Package your business protection with coverage options for buildings, contents, loss of income, and more.
General Liability
Help shield your business from common claims like slip-and-fall injuries or damage to others’ property.
Commercial Auto
Coverage options for vehicles used in your business, from company cars to service and delivery vehicles.
Workers Compensation
Help provide protection for workplace injuries and support your employees when the unexpected happens.
Professional Liability
Coverage designed to help protect professionals from certain claims related to the services they provide.
Cyber Liability
Options to help your business prepare for data breaches, cyberattacks, and other digital risks.
Personal Insurance
Covering the People and Property You Care About
Your personal insurance should reflect your life today—not last year. EFS Insurance Group can review your current policies and help you understand how well they match your home, vehicles, and lifestyle. From everyday auto coverage to specialty protection for boats, RVs, and pets, you can work with one agency to keep your policies organized.
Auto Insurance
Coverage options for your daily commute, family vehicles, and more.
Homeowners Insurance
Help protect your home, personal belongings, and personal liability.
Condo & Renters Insurance
Coverage designed for condo owners and renters to help protect what’s inside your space.
Motorcycle & Boat / RV
Protection options for the ways you travel and enjoy the water or open road.
Umbrella Insurance
Extra layer of liability protection over your existing home and auto policies.
Flood & Pet Insurance
Specialty coverage options to help protect against flooding and unexpected vet bills.
Health & Financial Protection
Health & Medicare Support
Health and Medicare decisions can feel complicated. EFS Insurance Group is here to help you compare options and understand how different plans may affect your doctors, prescriptions, and out-of-pocket costs. Whether you’re choosing health coverage for your family or reviewing Medicare as you approach or are already in retirement, you don’t have to sort it out alone.
Health Insurance Guidance
Discuss your healthcare needs and budget so you can explore plan options that are a better fit for your situation.
Medicare Coverage Review
Walk through the basics of Medicare and consider available coverage choices so you can make more informed decisions.
Transition Support
If your situation has changed—retirement, job change, or new health needs—we can help you review how your coverage may need to change too.
Why Work With an Insurance Agency
Why Clients Choose EFS Insurance Group
Working with EFS Insurance Group means you have someone in your corner to help you understand your options and stay on top of changes over time.
Personalized Conversation
You can talk through what you want to protect, ask questions, and get straightforward explanations without jargon.
Options for Many Needs
From business and liability coverage to health, home, and auto, you can coordinate multiple policies through one agency.
Help Comparing Policies
We can help you look at coverage limits, deductibles, and features side by side so you see what you’re really getting.
Ongoing Support
As your life or business changes, you can reach out to review your coverage and consider adjustments.
Claims Guidance
If you need to use your coverage, we can help you understand the process and what to expect.
Local, Reachable Team
You have a real person to call with questions—not just an app or automated system.
What to Expect
How to Get Started
Getting help with your insurance doesn’t have to be complicated. EFS Insurance Group keeps the process straightforward from start to finish.
1. Reach Out
Call (810) 202-6030 or send a message through our contact form to let us know what type of insurance you’re interested in.
2. Share Your Situation
We’ll ask a few questions about your business, home, vehicles, or health needs so we can understand your priorities.
3. Review Your Options
We’ll walk through coverage choices, answer questions, and help you compare how different options match your budget and goals.
4. Put Coverage in Place
Once you’re comfortable with your selections, we’ll help you complete the steps to start or update your policies.
5. Stay in Touch
You can contact us anytime to review your coverage, discuss changes, or get help understanding your policies.
Your Insurance Partner
Here to Support You Long-Term
Insurance needs change—businesses grow, families move, and health situations evolve. EFS Insurance Group is here to help you adjust along the way. We focus on building relationships, not just policies. When you have questions, want to compare options, or need to understand a change in your coverage, you have a team you can turn to for clear, honest information.
Relationship-Focused Approach
We aim to understand your bigger picture so your policies work together, not in pieces.
Clear, Straightforward Communication
We explain your options in plain language so you can make decisions with confidence.
Support When Things Change
From new vehicles and properties to shifts in your health or business, we’re here to revisit your coverage.
Frequently Asked Questions
If you don’t see your question here, you’re always welcome to call (810) 202-6030 or reach out through our contact page.
Can I get a quote by phone, or do I need to meet in person?
You can start the quote process by phone or online. We’ll gather some basic information and then follow up with any details needed to provide options for your situation.
What information do I need to request an insurance quote?
It depends on the type of insurance, but common details include contact information, addresses, vehicle information, business details, or a list of your current coverages. If you’re not sure what you need, we’ll walk you through it step by step.
Can I bundle different policies together?
In many cases, it’s possible to coordinate multiple policies—such as home and auto, or several business coverages—through one agency. We can review your current setup and help you see where combining coverage may make sense.
What if I already have insurance with another company?
We can still review your current policies, help you understand your coverage, and provide options to compare. You decide if making a change is right for you.
How often should I review my insurance coverage?
It’s a good idea to review your coverage at least once a year, or anytime you experience a major change—such as buying a home, adding a vehicle, starting a business, or transitioning to Medicare.
Ready to Review Your Coverage?
Whether you need business protection, personal insurance, or help understanding health and Medicare options, EFS Insurance Group is here to help you sort through the details. Share a little about what you’re looking for, and we’ll follow up to discuss practical options for your situation.
Connect With EFS Insurance Group
Have questions or ready to get started? Reach out in the way that works best for you. • Call: (810) 202-6030 • Message: Use our contact form to request a quote or ask a question • Facebook: Connect with us online at facebook.com/efsinsgroup We look forward to talking with you about your insurance needs.