October 10, 2015
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Over 75 years of Putting Customer Needs First!

2014 BKC Earns Prestigious 5-Star Ranking
                                                                                                                                                     2014 BKC Insurance Achievement

Here's what our Customers told us about their recent experience with oUR aGENCY!

Thank you for many years of service. You were always there for us even when we put in a large flood damage claim. Our billings and paperwork were always sent promptly and automatically. How great is that!!

We will easily be able to recommend your services to our friends in the area.

Thank you once again,
Maxine Donajkowski

Our Agency

Most Current Group Picture

With all the challenges facing organizations and families today, no one can find the time to manage their own insurance program.

Instead, you need an experienced team who can analyze the various options open to you -- both insurance and non-insurance options -- and suggest alternatives for your needs. Now you're in a position to make a knowledge-based decision.


Employee Highlight

 Dave 2015
Dave Orr grew up in Cheboygan and then attended Northern Michigan University . After graduating college Dave married his high school sweetheart and moved to Grand Rapids. After Dave and Bonnie’s second child was born Dave moved his family back to Cheboygan. Dave and Bonnie, his wife of 30 years, are now empty nesters and enjoy the great out doors.

Dave is one of our Business Insurance agents. He also works with individuals and families, helping them select affordable and comprehensive health plans. Additionally, Dave  enjoys working with our mature clients understanding the various Medicare plans available.

Stop in and see Dave and if he’s not in the office you may find him along the banks of the Cheboygan river trying to catch just one more fish!

 Organizations we support

community support


Caring for Our Community by Showing Our Support



 Northern michigan




2015 Fall Maintenance

Clean leaves and debris from gutters to allow water to flow freely.
Take advantage of fall weather to work on projects around your home and protect it from common winter problems. Keep the following tips in mind:

• Clean out your gutters. Remove leaves and other debris from your gutters first by hand to get rid of the large particles, and then with a scraping tool and water hose before cold weather arrives. This helps to prevent ice damming. Ice dams are caused when snow melts on a heated part of the roof, then refreezes on a colder portion of the roof.  This creates a dam and allows water to back up under the shingles, causing damage to insulation and interior ceilings or walls. The University of Minnesota Extension Service has more information about preventing ice dams.
• Make sure downspouts properly guide the water away from the home. An Environmental Protection Agency technical bulletin recommends directing downspouts a minimum of 5 feet from the foundation, preferably 10 feet.
• Use door sweeps and caulk to block drafty areas of the home from the winter cold.  Common areas for these are recess lighting areas, electrical outlets, door frames and windows.
• Have your furnace and chimney checked and cleaned annually. Change your furnace filter regularly; every three months is typical.
• Vacuum out your air ducts. Every few years, the air ducts should be vacuumed to help make sure that heated air passes through with no obstacles.
• Keep cabinets on exterior walls with plumbing open to allow warm air to circulate.  Similarly, keep bathroom and laundry room doors open to allow warm air to circulate.
• Remove screen windows and put up storm windows.
• Reverse the circulation of your ceiling fans. As you fire up the furnace for the heating season, reverse your ceiling fan blades to rotate clockwise, creating an updraft that forces warm air down into the room. This can provide additional energy savings, according to the California Energy Commission’s Consumer Energy Center.

Prepare now so that you can stay warm in the cold winter months and protect your home from loss.