Kelly Insurance

Kelly Insurance is a family-owned, independent insurance agency based in Dearborn, Michigan. The agency has been serving the metro Detroit community since 1985.

We work with reputable insurance carriers to offer a wide range of personal and commercial insurance products for individuals, families and businesses.

Service philosophy

• We focus on value-driven insurance plans that protect assets and cover liabilities at competitive rates.
• We take a customer-first, consultative approach, taking time to understand your needs, budget and risk profile before recommending coverage options.
• We present multiple coverage options when available and clearly explain the differences, including pricing details and coverage scope.
• Our goal is aligned with yours: to find the best coverage at the best price for your situation.

Consultation process

• Non-committal, no-obligation consultations are available in person or over the phone.
• During the consultation, an advisor will review your situation, assets and risk exposure, then research suitable policies from our carrier network.
• You receive recommendations tailored to your needs, with transparent explanations of limits, deductibles and key conditions.

Claims assistance

Kelly Insurance also assists clients with claims:

• Guidance on how to report a claim and what information is needed.
• Help completing and submitting claim documentation to the appropriate carrier contact.
• Acting as your advocate with the insurer to help you pursue the best possible outcome within the terms of your policy.

Professional qualifications

• Licensed and insured insurance professionals.
• Experience across property, liability, auto and other insurance markets.
• Ongoing training and monitoring of industry trends and new products to keep coverage recommendations up to date.

Car insurance

• Personal auto insurance policies for drivers in and around Dearborn, Detroit and Melvindale.
• The agency shops multiple carriers to help find affordable policies with appropriate coverage levels.

Motorcycle insurance

• Motorcycle insurance coverage for riders in the local area.
• Assistance comparing coverage options and limits from different carriers.

Boat insurance

• Insurance options for boat owners, with the goal of providing strong protection at competitive prices.

Mobile home insurance

• Policies designed to protect mobile homes and related personal property.

Home and renters insurance

Home insurance

• Homeowners insurance to help protect your home and personal belongings against covered losses.
• Coverage and limits are tailored based on the property and your needs.

Renter insurance

• Renters insurance for tenants in Dearborn, Detroit, Melvindale and surrounding areas.
• Designed to protect personal belongings and provide liability coverage for renters.

Personal umbrella insurance

• Personal umbrella policies that provide an extra layer of liability protection above the limits of underlying policies such as auto or home insurance.
• Recommended for clients who want additional protection for their assets and future earnings.

How personal insurance is selected

• Kelly Insurance uses its network of reputable carriers to compare multiple personal insurance options.
• Recommendations are based on your coverage needs, risk profile and budget.
• Detailed policy terms, exclusions and prices are provided directly from the selected carrier documentation during the quoting process.

Lists Mobile, Keller, Dearborn, and Detroit as a location. Names Michigan and Detroit as a service area. Areas beyond these are not published.

Hours of operation

• Monday – Friday: 10:00 AM – 5:00 PM
• Saturday: By appointment
• Sunday: Closed

Service areas

Kelly Insurance serves clients in:

• Dearborn
• Detroit
• Melvindale
• Surrounding metro Detroit areas

Visit and appointment options

• Family-owned local insurance agency.
• Available by appointment (including Saturdays by appointment).
• Drop-ins are welcome during regular business hours.

Business liability insurance

• General liability and related liability coverages designed to help protect businesses from covered third-party claims.

Commercial insurance packages

• Commercial insurance programs tailored to different industries and business sizes.
• Coverage may combine property, liability and other protections depending on the policy selected.

Commercial auto insurance

• Policies for vehicles used in business, such as company cars, service vehicles or fleets.
• Coverage is structured around how the vehicles are used and who drives them.

Commercial property insurance

• Coverage for buildings, business personal property, equipment and other covered assets, subject to policy terms.

Professional liability insurance

• Professional liability (errors and omissions) coverage for eligible professions, helping protect against certain claims related to professional services.

Workers' compensation insurance

• Workers' compensation policies for eligible employers, designed to meet legal requirements where applicable and help cover certain employee injuries or illnesses arising out of work, subject to policy terms and local regulations.

Employee-related coverages

Employee retirement plans (overview)

• Group retirement and pension plan options for employers, designed to help support employee retention and long-term financial planning.
• Plans are customized based on employer size, goals and budget, using carriers and investment options available through Kelly Insurance's network.
• For more detail on retirement plan services, see the separate "Employee retirement plans" knowledge document.

Approach to commercial insurance

• Kelly Insurance takes a consultative approach to understanding your operations, risks, assets and legal obligations.
• The agency uses its carrier network to compare multiple business insurance options and present tailored recommendations.
• Specific coverage limits, exclusions, endorsements and prices are determined case by case during the quoting process.

Consultation and plan design

• One-on-one consultation with an insurance agent to review your business, workforce and retirement benefit goals.
• Help comparing available group retirement plan structures and investment options from Kelly Insurance's carrier and provider network.
• Recommendations focused on matching plan design, contribution structure and costs to your budget and objectives.

Goals and potential advantages for employers

Employee retirement plans arranged through Kelly Insurance are designed to:

• Support improved employee morale.
• Encourage better job performance and long-term loyalty.
• Provide professional investment and pension plan management through selected providers.
• Help employers plan for the future growth and stability of their business.

Ongoing support

• Assistance with plan implementation and coordination with the selected retirement plan provider.
• Availability to answer questions for the employer about plan structure, coverage and service.
• Periodic review and adjustment of plan options as business needs or available products change.

How to get started

• Call Kelly Insurance at (313) 561-9000 to request a consultation about employee retirement and group pension options.
• An advisor will gather information about your business and outline next steps for exploring specific plan proposals and provider materials.

Ask anyway — the agent will say plainly that it is not published rather than guess.