B R SHRAMM & JAMES INC. DBA Blackmore-Rowe Insurance

Primary Office
196 W Vienna St
Clio, MI 48420-1334
Office Hours
Mon–Sun, 9:00 AM - 5:00 PM

About the Agency

B R SHRAMM & JAMES INC. DBA Blackmore-Rowe Insurance is an independent insurance agency located at 196 W Vienna St in Clio, MI. As an independent agency, B R SHRAMM & JAMES INC. DBA Blackmore-Rowe Insurance represents multiple insurance carriers, allowing them to compare coverage options and pricing across providers rather than being limited to a single company's products.

B R SHRAMM & JAMES INC. DBA Blackmore-Rowe Insurance serves personal, commercial and life clients throughout the Clio, MI area.

What We Offer

10 lines of Business

Personal

Automobile
Condo
Home
Renters

Commercial

Business Owners Package (BOP)
Business Vehicle
General Liability
Property

Life

Annuities
Life

Michigan insurance requirements

State minimums for Michigan drivers

Michigan law requires all drivers to carry minimum liability coverage. An independent agent licensed in Michigan can help you navigate the state's complex no-fault system and choose the right PIP tier for your situation.

  • $50,000 bodily injury per person
  • $100,000 bodily injury per accident
  • $10,000 property damage per accident
  • $50,000 personal injury protection (PIP)
  • Uninsured/underinsured motorist coverage required

Office Location

B R SHRAMM & JAMES INC. DBA Blackmore-Rowe Insurance
196 W Vienna St
Clio, MI 48420-1334