Farmers & Merchants is a regional property and casualty company marketing personal lines insurance coverages through independent agents in Michigan’s Upper Peninsula.

Over 45 independent agencies represent our company today, providing coverage to policy holders in Upper Michigan. We can provide the insurance coverage to protect you and your property. We offer Homeowners, Renters, Mobile Homeowners, Dwelling Fire, Farm Fire, and Commercial Lines protection.

We have received an "A-" (Excellent) rating from A.M. Best Company and an "A" (Unsurpassed) rating from Demotech, Inc. These ratings reflect the strong financial position that our company has attained and will strive to maintain in the future with our conservative underwriting and investment strategies.