Auto, home, boat, RV, powersports, EV, and specialty coverage from an independent Michigan agency.
Get a Free Quote →We live here. We get it.
Michigan’s no-fault system is unlike any other state — and getting it wrong costs you. We understand Michigan no-fault, PIP elections, mini-tort, and coordinated benefits, and we help explain how those choices may affect your coverage.
Get covered →Independent agents aren't tied to one company. We compare available options across 75+ carrier options so you can make an informed choice — every time.
Most quote requests can be started in minutes. No pressure. No jargon. Just the right coverage explained in plain English.
We know no-fault law, Michigan roads, Michigan weather. Local expertise that a 1-800 number can never give you.
Led by Christopher Kern
Clutch Risk is led by Christopher Kern, a Michigan licensed insurance producer with more than 20 years of experience across automotive, finance, protection products, and client programs. Every quote request that comes through Clutch Risk is handled personally — not routed to a call center.
Producer NPN: 22213905 · Michigan System ID: 1468958
Clutch Risk / Clutch Administration LLC Agency NPN: 22231445 · Michigan System ID: 0161332
Learn more about Clutch Risk →Clutch Risk helps Michigan clients compare insurance options and understand select non-insurance protection plans. Insurance policies and protection plans are different products. We separate them clearly so you know what you are considering, who backs it, what may be included, what is excluded, and how claims or service requests work.
Michigan auto, home, boat, RV, powersports, EV, commercial, umbrella, pet, and valuables insurance options through licensed agency channels.
Explore InsuranceNon-insurance plans that may help with repair or replacement costs for certain covered systems, appliances, vehicles, or devices, depending on the contract.
Explore Protection PlansProtection plans, service contracts, and warranties are not homeowners, auto, commercial, or personal insurance policies. Terms, exclusions, service fees, limits, waiting periods, provider availability, and eligibility vary by plan.
Auto, home, commercial, and specialty coverage. No pressure, no runaround. 269-400-4834 | go@clutchrisk.com
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