We are the MRLA: Conifer Insurance Services

​What is your business’ niche/specialty?
Conifer Insurance Services specializes in providing A-rated, customized insurance programs for niche and underserved industry groups. We focus on delivering comprehensive insurance solutions tailored to the unique needs of these markets, often overlooked by larger national and international insurance companies.

Our key specialty areas include:
Food & Beverage:  Property and liability Insurance solutions for restaurants, bars, taverns, private clubs, and other entities in the food and beverage industry, supported by over three decades of industry experience.

Liquor Liability:  As Michigan’s leading provider of liquor liability insurance, we leverage our extensive experience to offer robust coverage for establishments serving alcohol.

Cannabis:  One of the nation’s first comprehensive insurance programs tailored to the cannabis sector, addressing the unique risks and requirements of plant touching businesses.

Mainstreet: Property and liability insurance solutions for classes that are generally hospitality related but do not meet the definition of a restaurant, bar or tavern.  These miscellaneous classes consist of vape stores, smoke shops, hookah lounges, cigar stores and cigar lounges.
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​Why did you become a member of the MRLA?
By joining MRLA, we align ourselves with an organization that advocates for the needs of the hospitality industry, provides essential resources, and offers valuable networking opportunities.  Moreover, we reinforce our commitment to the states hospitality community and look forward to building stronger relationships while offering tailored insurance solutions that address the specific challenges faced by MRLA members.​
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Business Features:​
Financial Stability: Our programs are backed by insurance carriers that hold an A.M. Best Rating of A- or better.  This financial strength supports our programs long-term reliability and capacity to meet its obligations.
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​Industry Expertise: Conifer brings deep industry knowledge to the table with over three decades of experience in the food and beverage industry. Our team understands the specific risks and challenges faced by business owners in Michigan (particularly those with liquor liability), allowing us to craft policies that address these needs effectively.
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Specialized Insurance Solutions: Conifer Insurance Services provides tailored insurance products designed specifically for the unique needs of MRLA members. Our program includes property, general liability and liquor liability, ensuring comprehensive coverage for establishments of all sizes​.

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​Flexible Coverage Options: We understand that the needs for any given business can vary greatly or change over time.  To address this, we offer incredibly flexible coverage options and limits which allow business owners to adjust their policies as needs evolve.  This flexibility ensures that MRLA members can always have the right level of insurance protection without overpaying for unnecessary coverage.
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​Industry Association Engagement: As active members of the MRLA and other industry associations, Conifer Insurance Services stays abreast of legislative changes, industry trends, and best practices. This involvement ensures that we can offer the most current and relevant insurance solutions to our agency partners and their clients.

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