Business Details
Emergency
services
Your Trusted Insurance Partner in Crystal Falls, MI
Lud Stoor Agency has served clients in the Upper Peninsula of Michigan for over 60 years as a family-owned, locally operated insurance provider. Our team of certified professionals, including Certified Insurance Counselors (CIC) and Certified Insurance Service Representatives (CISR), is dedicated to delivering personalized insurance solutions tailored to individual and business needs. We maintain affiliations with leading industry organizations, including the Michigan Association of Insurance Agents, and hold a Total Quality Agency designation for excellence in service. With expertise in property, casualty, life, health, and commercial insurance, we prioritize client education and transparency in policy selection. Our staff combines decades of local market knowledge with access to a broad network of top-rated insurance carriers to secure competitive coverage options.We emphasize risk management strategies and proactive client support, including streamlined claims processing and policy audits. Our commitment to community is reflected through active participation in local chambers of commerce and business associations. We offer multi-policy, safe driver, and good student discounts to enhance affordability without compromising protection quality. Our agency operates with a focus on long-term client relationships, ensuring evolving insurance needs are met with consistent expertise. By maintaining direct lines of communication and prompt response times, we aim to be the trusted insurance partner for families and businesses across Michigan's Upper Peninsula.
Services
Commercial Insurance
Life Insurance
Auto Insurance
Homeowners Insurance
Personal Umbrella Insurance
Highlights and features
- We have over 60 years of experience serving Michigan's Upper Peninsula.
- Our team includes Certified Insurance Counselors and Service Representatives.
- We partner with top-rated insurance carriers for comprehensive coverage options.
- We offer exclusive multi-policy, safe driver, and good student discounts.
- Our local expertise ensures tailored insurance solutions for Michigan residents.
Associations and certifications
- Michigan Association of Insurance Agents
- Certified Insurance Counselor (CIC)
- Certified Insurance Service Representative (CISR)
Services
Commercial Insurance
We provide tailored commercial insurance solutions to protect businesses against property damage, liability claims, and operational risks. Our agents assess unique business needs to secure policies covering equipment, inventory, and employee-related exposures. With access to multiple carriers, we ensure competitive pricing and comprehensive protection for Michigan enterprises.
Life Insurance
Our life insurance offerings include term and permanent policies designed to safeguard families financially in case of unexpected loss. We help clients evaluate coverage amounts based on income replacement, debt obligations, and future expenses like education costs. Policies can also serve as estate planning tools or supplemental retirement income sources for long-term financial stability.
Auto Insurance
We offer auto insurance coverage for standard passenger vehicles, sports cars, and recreational vehicles. Policies include liability protection, collision/comprehensive coverage, and uninsured motorist provisions. Discounts apply for safe driving records, multi-policy bundling, and student academic achievements while maintaining compliance with Michigan's no-fault insurance requirements.
Homeowners Insurance
Our homeowners insurance protects against structural damage, personal property loss, and liability claims arising from accidents on insured properties. Policies cover common risks like fire, theft, and weather-related incidents while offering optional endorsements for high-value items or specific natural disaster protections in Michigan's climate.
Personal Umbrella Insurance
Umbrella policies provide additional liability coverage beyond standard homeowners or auto insurance limits. This protects assets in case of major lawsuits exceeding primary policy caps. We help clients assess risk exposure to determine appropriate coverage levels, particularly for those with significant financial assets or higher liability risks.
People
Lee A. Siler
President
Certified Insurance Counselor with 25+ years in the industry. Graduated from Central Michigan University in 1993. Purchased majority ownership in 2007 after prior underwriting roles. Licensed in multiple insurance lines across Michigan and Wisconsin.
Sharon M. Lato
Commercial Insurance Representative
Certified Insurance Service Representative with 20+ years in insurance. Holds associate degree in social work from Ferris State University. Specializes in commercial policy management, audits, and client service coordination.
Sandra J. McGregor
Claims Coordinator
Certified Insurance Service Representative with 30+ years at the agency. Manages claims processing and agency accounting. Holds associate degree in business from Northern Michigan University. Ensures efficient claims resolution for policyholders.
Lauri M. Oberlin
Receptionist / Customer Service
Customer service representative with 30+ years of tenure. Handles policy changes and billing inquiries. Serves as primary office contact for clients, providing welcoming and efficient front-desk support since 1992.
Jennifer L. Williams
Personal Lines Agent
Certified Insurance Counselor specializing in personal insurance products. Graduated from Grand Valley State University in 2001. Licensed in property/casualty and life/health insurance. Offers expertise in auto, home, RV, and life insurance solutions.
Questions
What types of insurance do you offer?
We provide auto, home, life, commercial, and personal umbrella insurance, along with disability coverage and financial services tailored to Michigan residents.
How do you help clients find the right coverage?
Our certified agents assess individual needs and budget constraints while leveraging relationships with multiple carriers to secure optimal protection options.
Do you offer emergency after-hours service?
Yes, we provide emergency claim assistance after business hours by contacting Lee Siler directly at (906) 367-0848.
How quickly are insurance claims processed?
Claims are handled promptly through our dedicated coordinator, with direct carrier partnerships enabling streamlined processing and timely resolution.
Are there available policy discounts?
We offer multi-policy, safe driver, and good student discounts to help clients reduce premiums while maintaining comprehensive coverage.
Can I manage policies online?
Many of our partner carriers provide online bill payment and claims filing options for client convenience and account management flexibility.
