Combined Insurance Agencies
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Combined Insurance Agencies is dedicated to providing you with the right insurance products, ensuring you are covered when you need it. Combined Insurance Agencies is an independent insurance agency serving over 4,000 individuals, families, and businesses in southwestern Michigan. Whatever the day brings, you will feel protected. We want to safeguard the home that offers you sanctuary, the car that sets you free, the boat and recreational vehicles that help you relax with your family and friends.

Enjoy the things you own - we will be sure you are covered. As life presents you with new needs and circumstances, we're here to listen and recommend updates in an ever-changing market. We will help you evaluate and determine the coverage that fits you best, whether for individual, family, or business protection. We provide customized insurance advice and the right insurance coverage to help your business grow in good times and bounce back if times are bad.

We ask questions to help you find the coverage you want.
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As an independent agency, we represent a large number of insurance companies.
We can save you time and money by comparing companies to find pricing and coverage that fits best for you.
We are committed to establishing a trusting, personal relationship with you, to periodically reassess your insurance needs, and to find new options as your needs change over time.
If another company offers better rates or coverage we can transition your insurance in our office, within our group of companies, for your benefit.
Robert Beemer is the principal owner of Combined Insurance Agencies.
Bob is past president of the SW Michigan Life Underwriters Association and has more than 35 years of experience in the insurance business.
Bob enjoys the insurance business.
We rebuild homes and businesses.
We even rebuild entire communities after a natural disaster.
Insurance pays medical bills for everything from auto accidents to brain cancer.
We pay legal expenses, and we replace lost income for families and individuals due to death or disability.
Combined Insurance Agencies is dedicated to providing you with the right insurance products, ensuring you are covered when you need it.
No matter your situation, our dedicated staff of professionals will work with you to assess the risks and provide appropriate solutions.
Whatever the day brings, you will feel protected.
We want to safeguard the home that offers you sanctuary, the car that sets you free, the boat and recreational vehicles that help you relax with your family and friends.
Enjoy the things you own - we will be sure you are covered.
If you are considering a new career or a career change, CIA suggests you take a good look at the insurance industry.
A career in insurance is sustainable; after all, insurance has been around awhile, dating back to 1347 in Genoa, Italy.
The insurance industry employs more than 2.3 million individuals in the United States alone.
The insurance industry offers an array of positions, so you can easily transfer your knowledge and climb the career ladder, especially at CIA.
In our industry, you won't be bored - there is no such thing as a typical day.
Take exit 27 (Niles Ave & M-63).
From east, turn right onto Niles Ave.
From west, turn left onto Niles Ave.
Follow Niles Ave (M-63) north to Hilltop Rd.
Turn left onto Hilltop Rd and go to light at Hilltop Rd and Washington Ave intersection.
Turn right onto Washington Ave and prior to next light, turn left onto St Joseph Dr. Go approximately 200'; we are located on the left side.
Get on Niles Ave (M-63) and go north.
Follow Niles Ave (M-63) to Hilltop Rd.
Get on Niles Ave (M-63) and go south.
Follow Niles Ave (M-63) to where Washington Ave branches straight ahead and Niles Ave turns slightly to the left.
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