Effective Date: 06/01/2026
By using this website you accept these terms.
Information submitted online does not bind coverage, guarantee issuance, or replace a signed application. Coverage becomes effective only upon written confirmation from the issuing carrier.
C Hammer Insurance Group is a licensed Michigan insurance agent/broker representing carriers. We do not underwrite policies; the carrier’s policy governs coverage terms.
While we aim for accuracy, we are not liable for errors originating from user-provided information, carrier underwriting decisions, or coverage gaps resulting from incomplete disclosures. Clients should review all issued policies.
Content on this site is informational only and does not constitute legal, tax, or financial advice.
Website content and branding are owned by C Hammer Insurance Group and may not be reproduced without permission.
We are not responsible for indirect damages, site outages, third-party failures, or cyber incidents beyond reasonable control.
These terms are governed by Michigan law. Disputes shall be resolved in Michigan courts.
Effective Date: 06/01/2026
C Hammer Insurance Group is committed to making our website accessible to users of all abilities. We strive to meet WCAG 2.1 Level AA standards where reasonably feasible.
We continuously work with our website providers, including EZLynx and hosting partners, to improve accessibility. Because third-party tools are used, full compliance may depend on those providers.
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We will make reasonable efforts to provide requested information in an accessible format. While we strive to meet standards, we cannot guarantee every page meets all guidelines at all times.
The information on this website is for general purposes and does not create an insurance binder, contract, or guarantee of coverage. Requests submitted online do not bind coverage or replace written confirmation from a carrier.
Policy summaries are general and may omit exclusions, conditions, or endorsements. Clients must review issued policy documents.
We rely on information provided by applicants and insureds. Failure to provide accurate, complete, and timely information may affect coverage. Clients should review applications and policy documents and report discrepancies or material changes promptly.
We use industry-standard security measures, including EZLynx CRM, but no system is completely secure. We are not liable for unauthorized access caused by third-party breaches, carrier vulnerabilities, internet failures, or cyberattacks.
In the event of a breach affecting personal data, we will comply with applicable Michigan breach-notification laws.
We operate in accordance with Michigan Division of Insurance rules. Products are subject to underwriting, carrier guidelines, state regulations, and policy terms.
For complaints, contact: Michigan Department of Insurance and Financial Services (DIFS), 530 W Allegan St, 7th Floor, Lansing, MI 48933. Phone: 517-284-8800.
Commercial policies are customized and may include complex endorsements and exclusions. Coverage types discussed on this site (e.g., General Liability, Commercial Property, Workers’ Compensation, Commercial Auto, Professional Liability, specialty policies) are general overviews—actual coverage is determined by the issued policy.
By providing contact information, you consent to be contacted via manual calls, auto dialers, SMS, and email. Consent is not a condition of purchase. You may opt out at any time.
All disputes are governed by Michigan law and venue in Michigan courts.