Bgm Insurance Agency Inc.

Learn about our insurance products

  • Get an auto insurance policy you can count on from Nationwide.
  • Protect your house and personal property by choosing the right insurance coverage from Nationwide.
  • Let us help you select life insurance coverage that meets your needs, your life and your budget.
  • Cover your business with commercial insurance from Nationwide.

Member support

24/7 Claims Service
1-800-421-35351-800-421-3535

Our Insurance Products

The Bgm Insurance Agency Inc. in Flint, MI provides the following products. To learn more about each insurance product, click on the links below.

  • Auto Insurance
    Taking the time to understand auto insurance concepts, like the difference between "collision" and "comprehensive" coverage, can be frustrating when you are trying to shop on your own and you just want to know what kind of protection you will get. That's why Bgm Insurance Agency Inc. prioritizes communication with clients, so our agents can translate industry terms into coverage explanations that leave drivers in Beaver Falls feeling confident they have exactly the coverage they need.

    Starting with basic liability insurance and adding features until you have a personalized plan to address your needs means understanding the differences between drivers, car styles, and vehicles in different stages of their operating life. Bertha Caridad Stephens works with Nationwide to construct policies that meet your needs with options like comprehensive coverage against damage while parked or even robbery.

    If you have questions about coverage options and policies, talk to one of our agents by calling us at (810) 235-3800. You can get answers, make a purchase over the phone, or schedule an in-person consultation meeting with Bertha Caridad Stephens in our office at 1063 W Hill Rd.
  • Homeowners Insurance
    A home can be one of your most valuable assets, and deserves to be treated as such by having a durable insurance protection. While Bertha Caridad Stephens of Bgm Insurance Agency Inc. may not be able to prevent unexpected events from occurring, you can rest assured that we'll cover you if something does happen. We've teamed up with the well-experienced pros of Nationwide to provide you and your property with best home protection for your needs.

    Besides assisting you in taking account of personal possessions at your home, we also check the latest insurance discounts to help you save as much money as possible. Some ways in which you can save on the overall cost of home insurance include raising your deductible, bundling your policies with us, and boosting your home security.

    Ready to ride off into the sunset with an exemplary homeowners insurance plan? We're ready to get to work on crafting the perfect plan for you, your home, and your family. Call Bertha Caridad Stephens at (810) 235-3800 or drop in for a visit at our office on 1063 W Hill Rd.
  • Life Insurance
    Whenever you have any major change in your life, you should reassess your insurance needs. Marriage is one such occasion. Along with wedded bliss come new concerns and new responsibilities. You should take steps now to make sure that you and your spouse’s financial needs will be fully taken care of should the worst happen.

    We at Bgm Insurance Agency Inc. are here to help newlyweds in the Flint area. We will answer all your life insurance questions and explain in easy language term versus permanent insurance. After speaking with us, you will have a complete understanding of both whole life insurance and universal life insurance and you will know which options are best for you.

    In order to properly assess your coverage needs, you and your spouse will need to consider things such as your age, current income, current debt, number (if any) of dependent children, likely future income levels, final expenses and the impact of a loss of income. We will help you determine the amount and length of coverage that is optimal for your circumstances.

    After marriage, life gets busy. You should make sure, however that you are not too busy to take action now to assure a financially-secure future for yourself or your spouse years down the road. Life is uncertain but you can help take the uncertainty out of your financial future by making wise choices now.

    Call us at (810) 235-3800 and ask for Bertha Caridad Stephens. If you are in the neighborhood, we welcome you and your spouse to stop by our office at 1063 W Hill Rd,Flint,MI,48507. It may be the most important date of your life.


    LAW-0247AO (05/18)
  • Business Insurance
    No professional organization or company should go without an insurance package that meets their needs for risk management. Whether your business is established and operating already or you are a small start-up just getting organized, having the right protection means being secure about your choices when your company acts on opportunities. Nationwide Insurance: Bgm Insurance Agency Inc. understands this, which is why our business insurance solutions are customized to your industry, business size, and factors local to Flint.

    Bertha Caridad Stephens and our other agents can discuss a business owner's policy with you to get you started. The business owner's policy is the closest thing to a comprehensive plan there is when it comes to business insurance, and it covers most of what most companies need. From there, an On Your Side® Review can help to assess any additional coverage options or policies that would help round out your company's risk management. These may include provisions like cyber liability, accounts receivable insurance, and equipment breakdown coverage.

    Finding the right coverage for your company is important, but that doesn't mean you need to know everything there is to know about insurance coverage to be secure. That's what our agents are here for and why Nationwide Insurance: Bgm Insurance Agency Inc. works with Nationwide. This combination of expertise and access to the customizable coverage makes certain that our agents are ready to advise you about your business insurance needs. Call (810) 235-3800 today to get answers to your questions or buy policies over the phone. You can also set an appointment for a consultation at our offices, located at 1063 W Hill Rd.

    Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.

The Bgm Insurance Agency Inc. also offers products in MI. Please call for information on products in those states.

Learning Center

Learning center articleHow does gap insurance work?
Discover what gap insurance does and how this auto policy can help you.
Take a look at what make up the differences between hazard insurance and homeowners insurance.
Learning center articleDiscover what factors impact the cost of utilities
There are many different factors that can influence the amount of money you spend on utilities