Frequently Asked Questions


What makes Mason-McBride different from other insurance agencies

Mason-McBride serves its clients with a holistic, solution-oriented approach to personal insurance, business insurance, and employee benefits. Because we do not have any proprietary products, we can remain client-focused and design a plan solely in the client’s best interest.

Our responsibility as independent consultants is to guide our clients to the best opportunities available in the marketplace.


How long have you been in business?

Since 1916, Mason-McBride has enjoyed serving large to small businesses and families in Troy, Southeast Michigan, and throughout the United States.

We love what we do, and our specialty is guiding clients to the best opportunities available for personal insurance, business insurance, and employee benefits.

We are proud to have a team of insurance experts with extensive knowledge of various products, including Auto insurance, Homeowner Insurance, Flood Insurance, Life Insurance, General Liability, Workers Comp, Cyber Coverage, and a full range of Company Benefits.


Why should I work with an Independent Agent?

We represent multiple insurance companies as independent agents, so our primary focus is on you, not the carrier. As a result, we have access to a wide range of insurance products and services provided by reputable insurance companies. Since we are independent agents, we can offer you all the products you need, even if those products come from different insurance companies.

On the other end of the spectrum are captive agents. Captive agents work for one major insurance company and can sell only that company’s policies. Furthermore, while chatbot software can be programmed to emulate politeness, it does not simulate authentic human connections and personal relationships.

You can rely on our agents for personalized service, prompt communication, and assistance at every step of the journey.


What type of insurance does my business need?

It can be challenging to find the right business insurance policy. Business insurance protects financial assets and can help pay the cost of lawsuits, property damage, theft, vandalism, loss of income, employee injuries, and illnesses. No two businesses are the same. Your coverage can be tailored to suit your needs, with specialized policies suitable for many industries and add-ons that all work for small businesses. 

Mason-McBride can tailor a package to meet your needs in manufacturing, healthcare, technology, retail, food & beverage, or retail.

Some of the coverages available:

To name a few!


What factors should a company consider when selecting employee benefits?

Not sure where to start? We can help. Sitting down together, we can analyze your company’s goals, your base of employees, and what is most important for you/your employees. Then, our experienced brokers are happy to get you started and review the options most fitting for your company.

Mason-McBride specializes in a variety of employee benefits. Some of the coverages available:

  • Group Health Plans
  • Group Vision and Group Dental Plans
  • Prescription Coverage
  • Flexible Spending Accounts
  • Short-term Disability & Long-term Disability
  • Group Life Insurance
  • Employee Benefits Management Software

To name a few!


Besides auto insurance, what other types of personal insurance should I consider?

As part of a holistic personal risk management program, several additional exposures are available:


What is Michigan’s New No-Fault Insurance Law?

The new law focuses on changes to your auto insurance premium’s Personal Injury Protection (PIP) portion.

Michigan drivers typically carry unlimited medical coverage to pay for expenses if injured in an auto accident. If you have health insurance that coordinates with your auto insurance, you could also choose an “excess” medical option.

The new law will allow Michigan drivers a choice. Choose a specific level of PIP medical coverage when your policy renews after July 1, 2020. Click here for more details.


What is a Named Non-Owned auto policy?

A Named Non-Owned auto policy is a policy that covers a driver who doesn’t own their car and has their auto insurance. It’s a liability policy if this driver has an accident with another driver and is found to be at fault. This type of policy provides liability coverage for bodily injury and property damage purchased per driver.

A Named Non-Owned policy can protect those individuals when they do not own a titled and registered vehicle in their name. Protection for liability is essential even if they do not own a car. Many things can go wrong when driving, and a non-owner policy would protect if they borrow a friend’s or family member’s vehicle.

Learn more about this option in our video solution: Named Non-Owned Policy


What should I do if I need to file a claim?

A claim can be stressful, but you don’t have to worry when the unexpected happens. Our customer service team is standing by to assist you. There are several ways to file a claim. You can contact your insurance company directly or begin here.


How can I get an Insurance quote?

Whether you need a stand-alone insurance policy or a combination of coverages, our team can find a coverage plan that offers complete protection from the unexpected.

To get started, visit our proposal page.

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Mason McBride is here and ready to make the process as painless as possible. We look forward to meeting you!