Pioneer State Mutual Insurance Company has always distributed our products through the “Independent Agent Model.” Independent Agents offer / sell insurance products for more than one company. We believe in the Independent Agent Model because it gives a policyholder a personal consultant who can offer a variety of companies which allows the policyholder to select the company which best meets the policyholder's needs. The agents we choose to do business with are qualified Michigan residents living in your community and will offer you valuable risk management advice regarding all of your coverage needs.

If an incident does occur and you need to file a claim, our agents work closely with the Pioneer State Mutual Claims Department to make sure your needs are met to the fullest extent. Our claims staff, customer service personnel, and agents are local Michigan residents who are easily accessible when you need them the most.

Independent Agents are there for those that recognize the value of a personal contact and to ensure policyholders receive the best possible insurance experience. That’s why Pioneer State Mutual chooses to continue this model and provide our policyholders with the maximum attention they deserve.