The Clear Advantage™

Exclusively by Saginaw Bay Underwriters

Saginaw Bay Underwriters (SBU) is an independent insurance agency in the Great Lakes Bay Region of Michigan, offering risk advising and insurance services to businesses, employers, and individuals and families.

We use a proprietary, three-step approach called The Clear Advantage™ to ensure clear results for our clients, not just insurance.

Originally founded in 1863 to insure the lumber industry throughout the Saginaw Valley, SBU is now one of Michigan’s largest insurance agencies, serving over 12,000 clients throughout the Great Lakes Bay Region.

Over 150 Years of Service

Our Vision Statement

The relentless pursuit of excellence for:

  • Our Clients
  • Our Team Members
  • Our Community
  • Our Business Partners

Our Core Values

  • Integrity
  • Client Experience
  • Making It Simple
  • Teamwork
  • Profitability
  • Continual Learning
  • Community Involvement

Giving Back to Our Communities

We don’t just talk about community involvement, we live it.

Each week we donate $250 to a local charitable cause through our SBU Cares program. Since 2013, we’ve donated thousands of dollars to hundreds of different causes, in addition to our other regular giving.

Want to nominate a recipient? Simply email Follow along with the stories on our Facebook page.

Sound like a place for you?