Union Bay Risk Advisors LLC is a full-service independent insurance agency proudly serving Port Austin, MI, dedicated to helping individuals, families, and businesses find personalized and cost-effective coverage for both personal and commercial needs. Rather than representing a single insurance provider, Union Bay Risk partners with a network of trusted carriers, allowing clients to compare policy options, coverage levels, and pricing to make informed decisions with confidence. Our agency offers a broad range of coverage solutions, including auto, homeowners, renters, and business insurance, along with general liability, commercial property, commercial auto, and Business Owner's Policies (BOP). We take the time to understand each client's goals and circumstances, recommending protection that supports their financial well-being while helping them prepare for unexpected events