About Us

Who We Are

We’ve been in business since 1864 and we’re passionate about making sure you’re covered properly.

Located in Michigan’s Keweenaw Peninsula, Tervo is a local insurance agency that offers complete lines of personal and business insurance. We provide coverage to people and businesses throughout Michigan, Minnesota, and Wisconsin.

As an independent agency, we have unique access to a wide-range of insurance companies which allows us to find the best policies based on your individual needs.

We take a hands-on and detailed approach to serving customers by thoroughly assessing needs through one-on-one consultations. Once we understand your needs, we identify the right coverages and design an individualized plan that will keep you protected. In the case of an event or emergency, you’ll know exactly what’s covered and what steps to take. We’ll work with you to file a claim and get you back on your feet in no time.

Our Team

With over 75 years of combined experience, our licensed agents understand your coverage needs and provide custom policies with a simple approach. Providing you with the best possible service is our top priority. After all, we work for you, not an insurance company.

You can trust our expertise to help you make the right coverage decisions that will keep you protected for years to come.

What Our Clients Say

“We had several special insurance needs fall upon us at nearly the same time. These ranged from major remodeling of our home and garage, purchase of a new automobile and restoration of a vintage car.

They visited our home and immediately suggested and executed (1) conventional insurance policies, (2) special automobile policies, and (3) an umbrella policy covering all these areas.

We’re convinced that no other agency could have provided all of these services as smoothly and professionally as the Tervo Agency.”

– Roger and Janet Turpening