Independent Insurance Agency — Madison Heights, Michigan
Business, Auto & Home Insurance. Built Around Your Needs.
Harborstone Insurance & Risk Solutions is an independent agency serving Metro Detroit businesses and families with practical, value-driven coverage.
Commercial Insurance
Coverage for businesses of all sizes — from small operations to complex commercial risks.
Personal Insurance
Auto, home, renters, and more — coverage for individuals and families across Michigan.
Why Harborstone
Independent Expertise. Practical Coverage.
Independent Agency
We work with multiple carriers — not just one. That means we can shop your coverage and find the right fit for your situation.
Commercial Expertise
We specialize in commercial insurance — from trucking and restaurants to contractors and specialty risks.
Personal Lines Coverage
Auto, home, renters, umbrella, and more — we help Michigan families protect what matters most.
Responsive Service
We are based in Madison Heights, Michigan and focused on serving the businesses and families of Metro Detroit and the surrounding region.
Industries We Serve
Specialized Coverage for Michigan Businesses
Trucking & Transportation
Local and interstate motor carriers, owner-operators, and fleet operators.
Learn More
Restaurants & Hospitality
Full-service restaurants, bars, cafes, and food service operations.
Learn More
Strip Malls & Shopping Plazas
Insurance solutions for multi-tenant retail properties, neighborhood shopping centers, and commercial plaza owners.
Learn More
Gas Stations & Convenience Stores
Specialized insurance solutions for gas stations, fuel retailers, convenience stores, and related business operations.
Learn More
Mosque & Islamic Center Insurance
Specialized insurance solutions for Michigan mosques, Islamic centers, religious schools, community programs, and associated properties.
Learn MorePersonal Insurance
Coverage for What Matters Most
Our Approach
How We Work With You
Tell Us About Your Needs
Start with a conversation or a quote request. We listen first — then we look for coverage that fits.
We Shop the Market
As an independent agency, we access multiple carriers to find competitive options for your situation.
You Choose the Right Fit
We present your options clearly. You decide. No pressure, no jargon — just straightforward guidance.
Expert Guidance, Practical Advice & Insurance Knowledge
Michigan Insurance Insights
Ready to Explore Your Coverage Options?
For Individuals & Families
Personal Insurance Quote
Auto, home, renters, umbrella, and more. Tell us what you need and we'll help you find the right coverage.
For Michigan Businesses
Business Insurance Quote
Commercial property, liability, auto, and specialty coverage for Michigan businesses of all sizes.
Submitting an inquiry does not bind or change insurance coverage.