Grand Rapids, MI

    About Us

    Unlike a captive, or direct insurance company who only offers their own proprietary products, our agency is 100% independent of any one company. Many insurance consumers don’t fully understand just how important that really is.

    When it comes to something as important as insurance, it’s imperative that you work with an agency who has an in-depth knowledge of multiple insurance products, companies, and guidelines — not just one.

    At the end of the day, what separates one agent from another, is their ability to proactively service their policy holders, and their knowledge of the insurance industry, products, and different situations that may present themselves to their clients.

    Why work with us?

    • Advantages of an independent agent:
    • Access to multiple companies and a wide range of products.
    • Easy switching from company to company without hassle.
    • Claims assistance and advocacy.
    • Policy service from the same person you bought from.

     

    When you buy from an independent agent like us, you're supporting local business and your local economy. 

     

    Meet Our Team

    Craig Terpstra

    Agent
    Craig Terpstra

    Craig Terpstra, Agent

    Kim Tate

    Agent
    Kim Tate

    Kim Tate, Agent

    Ryan Kraai

    Agent
    Ryan Kraai

    Ryan Kraai, Agent

    Nate Kraai

    Agent
    Nate Kraai

    Nate Kraai, Agent

    Resources

    Call us at (616) 866-3180 or email info@westmichiganins.com

    • Billing & Payment questions
    • Submit a Claim
    • Certificate Requests
    • Request ID cards

    EXPERT EDUCATION

    Events and Webinars

    Employee Benefits

    Balancing Cost and Care: Could a Captive solution be the right fit for you?

    In this session, our experts will discuss how Captive solutions work and what you need to consider for your own group’s needs.

    April 17, 2025 at 01:00 pm CT | Virtual

    Sign Up
    Alera Group Engage webinar banner

    Wealth Services

    State of the Markets

    Join us as we unveil the factors that drive the nation's financial pulse and how they may impact your personal finances.

    April 23, 2025 at 12:00 pm CT | Virtual

    Sign Up
    State of the Markets

    Employee Benefits

    Q2 2025 Quarterly Compliance Webinar

    Alera Group's quarterly employee benefits compliance roundup will help you stay current on the latest national regulatory developments impacting employers.

    May 6, 2025 at 01:00 pm CT | Virtual

    Sign Up
    Image that says alera group webinar

    Quote from Mark ( Todd ) K.

    Everyone at West Michigan Insurance has been incredible to deal with for all of our insurance needs. I usually shop for new policies annually to keep costs under control. In the past that meant spending time on the phone calling several agents for quotes. Now Craig, Deb, Sharon, and the rest of the team at West Michigan Insurance automatically shop the many companies they represent to find me the best price. That is a big time saver for me and only one of the reasons I have stayed with them for the past few years.
    Mark ( Todd ) K. customer since 2016

    Quote from Julie D.

    Because your family and that’s how you treat me and I like that.
    Julie D. customer since 2018

    Quote from Craig M.

    Great company to deal with. Personal service is greatly appreciated!
    Craig M. customer since 2013

    Quote from Rose F.

    Always professional get the best rate possible. Helpful when there is something I need or a question answered. Zach is the best !
    Rose F. customer since 2019

    Quote from TODD K.

    Excellent service and fair pricing compared to other insurance agencies that over charge.
    TODD K. customer since 2017

    Quote from Michael K.

    They are always available to take your call and help with what you need. If you have a claim to file the process is very fluid. Great company.
    Michael K. customer since 2013

    Quote from Scott K.

    West Michigan Insurance is our hometown insurance agency. The agents are all very knowledgeable and accessible. They live in, and are part of our community.
    Scott K. customer since 2000

    THOUGHT LEADERSHIP

    Insights

    Property and Casualty

    International Roadcheck Is May 13-15. Is Your Commercial Transportation Fleet Ready?

    For 72 hours next month, commercial motor vehicles and drivers throughout North America will be subject to what the Commercial Vehicle Safety Alliance (CVSA) calls a “high-visibility, high-volume” inspection and regulatory compliance enforcement initiative.



    The annual event, known as the International Roadcheck, will take place at weigh and inspection stations, temporary sites and locations selected by mobile patrols from May 13-15 in the United States, Canada and Mexico.

    April 14, 2025

    Find out more

    Property and Casualty

    Improving Transportation Fleet Safety Through Gamification

    The COVID-19 pandemic pushed companies to find creative ways to engage employees as isolation hit an all-time high. Many turned to gamification — the application game mechanics such as points, badges and leaderboards to everyday tasks — to reconnect with staff and improve retention, especially around key initiatives like safety. It’s a concept so suitable for the transportation industry, it could have been conceived with truckers and other commercial auto drivers in mind.

    April 7, 2025

    Find out more

    Property and Casualty

    5 Steps to a Lower Workers’ Compensation Mod

    Understanding how your Workers' Compensation Insurance premium is calculated can help you manage costs more effectively. One of the primary factors in determining your premium is your experience modification factor — the number that reflects your company’s claims history and directly determines what you pay.

    March 13, 2025

    Find out more

    Property and Casualty

    It’s Here! — Alera Group’s Fifth Annual 'Property and Casualty Market Outlook'

    Alera Group's "2025 Property and Casualty Market Outlook" is your guide to making informed decisions regarding your business and personal insurance coverage.

    December 12, 2024

    Find out more