Personal Risk

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For over 90 years, Tolman & Wiker has helped individuals and families protect their homes and their possessions. Whether you are purchasing your first homeowners policy or adding to your existing portfolio, we offer a full range of innovative, specialized products and services to meet your needs.   Our customers include some of the most affluent families in the world, including business owners, CEOs, and collectors of fine arts and other rare property. Talk to our team of experts today about how we can help you, too!  

We offer a wide range of Personal Risk Solutions:

  • Personal Home & Auto
  • Umbrella and Excess Liability Limits
  • Private Collections (Jewelry, Vehicles, Art, Wine, Historic, etc.)
  • Yachts, Watercraft & Aircraft
  • Recreation Vehicles
  • Personal Life Insurance & Estate Planning
  • Individual Life & Health
  • Disability
  • Earthquake & Flood
  • Kidnap & Ransom and Extortion Coverage
  • And many more (international travel, service staff, family offices, vacation homes, etc.)

For more information on life insurance: 

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Insurance Carrier Partners

Allied Insurance When you insure your belongings with Allied Insurance, you’ll have the peace of mind that comes with knowing you’ve made the right choice. Superior service is the Allied way. But there are nine other reasons why Allied Insurance is an industry leader offering high-quality coverage options, including customizable coverages, cost-saving discounts, Allied extra benefits, Allied rewards, Powersports protection, full-year auto coverage, ID theft protection, quality customer service, convenient billing options and an A+ reputation. Allied is part of a Fortune 100 company and partners with 4,000 agencies in 33 states. In addition, the world’s leading independent insurance-rating agency, A.M. Best Company, rates us “A+” for financial stability.


American Insurance Group American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States.


American Modern Insurance Group American Modern is an A+ rated provider of residential and recreational insurance. Based in Cincinnati, the company is an award-winning employer and local philanthropist. American Modern is a widely recognized, national leader in the specialty insurance business. With close to 50 years experience in the manufactured housing insurance sector, the company delivers specialized products and services for residential property and the recreational market. One of our newest lines is pet health insurance. The company is headquartered in suburban Cincinnati, Ohio. American Modern is licensed in all 50 states and offers insurance products through a number of property and casualty companies which serve more than 1.7 million policyholders. As part of its parent company, American Modern’s companies are rated A+ (Superior) by the A.M. Best Company an independent analyst of the insurance industry, and is also a Ward’s 50® Top Performer another well-regarded industry standard of stability and excellence. American Modern joined Munich Re as a key part of the world reinsurance leader’s North American insurance operations in April 2008. Munich Re has approximately 47,000 employees in over 50 locations throughout the world and operates in all lines of insurance. It is among the top 100 companies on the Forbes Global 500 list.


Capital Insurance Group Capital Insurance Group® (CIG) is the leading regional property and casualty insurer serving the Western United States. Since 1898, CIG has been dedicated to serving and protecting our communities by partnering with local Independent Insurance Advisors, supporting local charities, and hosting community-focused events. The relationships we have established with our clients over the years allow us the opportunity to build lifelong partnerships and provide services our clients have come to count on. CIG is rated “A” Excellent by A.M. Best.


Chubb Insurance Chubb is the world’s largest publicly traded property and casualty insurer. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. The company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally. The insurance companies of Chubb serve multinational corporations, mid-size and small businesses with property and casualty insurance and services; affluent and high net worth individuals with substantial assets to protect; individuals purchasing life, personal accident, supplemental health, homeowners, automobile and other specialty insurance coverage; companies and affinity groups providing or offering accident and health insurance programs and life insurance to their employees or members; and insurers managing exposures with reinsurance coverage.


CSE Insurance Group CSE Insurance Group is a multi-line provider of personal, commercial property and casualty insurance recognized for its fairness, integrity and exceptional service. In 1949, the firm was founded “to furnish insurance at equitable rates to clients and promote the interests and welfare of public employees.” These values are a touchstone that CSE Insurance Group lives by today. In every way, it strives to do right by customers and protect them with well-made insurance. The thoughtful people of CSE and the agents who represent its products are also dedicated to the communities in which they live. We believe being a good person shines through in caring, individualized service, and a good company reaches out with accessible user-friendly technology and welcoming, clear conversations. Our reputation stands on the confidence we create everyday.


Encompass Insurance At Encompass, our focus is on personal insurance policies. We strive to provide a simpler insurance experience by offering protection for your homes, autos, powersports, jewelry, valuable collections and more under one package policy—The Encompass OneSM Policy—that comes with unparalleled customer service and superior hassle-free claim service. Encompass Insurance Company is a national company with a local focus, serving the protection needs of customers countrywide. Our policies are available through an exclusive group of independent agencies that work with multiple insurance companies to bring you personalized solutions and service for your insurance needs.


Foremost Insurance We know you have plenty of options when it comes to buying insurance. Take a little time to find out why so many people have chosen Foremost. As a specialty insurance company, we serve our markets by providing insurance choices that may not be offered by other companies. So, if you’re wondering whether or not we can insure a particular product, check us out. Our extensive insurance options may surprise you! How can we offer such a great selection of specialty Insurance coverages? We’ve spent the last 60 years getting to know the markets we serve exceptionally well. We understand the coverages you are looking for with the specific types of policies you may want. We’ve taken what we learned and turned that expertise into a solid business.


Hagerty Hagerty’s headquarters in Traverse City, Michigan. In 1983, Frank and Louise Hagerty realized that appropriate insurance coverage for their collector wooden boats didn’t exist. So — armed with years of general-lines insurance experience — the Hagertys launched a revolutionary agreed value policy for collector boats. Within a few years, half of the vintage boat owners in the country were Hagerty clients. In 1991, Hagerty created a similar product for collector cars. And in 1995 two of Frank and Louise’s three children, Kim and McKeel, came home to run the family business – despite their vows to never make a career of insurance! Together they’ve overseen the company’s tremendous growth, which has been supported by a great product, exceptional client service, cutting-edge technology, creative marketing and, of course, intelligent, forward-thinking and hard-working employees. Hagerty has grown from a small agency headquartered in the Hagerty family basement to the leading provider of classic vehicle and boat insurance in the world!


Kemper Insurance Kemper is a diversified insurance holding company with subsidiaries that provide an array of products to the individual and small business market. Kemper Personal and Commercial Lines sells Auto, Home and Package Plus policies through independent agencies. Kemper Specialty California sells personal Auto insurance in the state of California through independent agents and brokers to customers who may have had difficulties obtaining or maintaining insurance in the past. Kemper Direct sells Auto and Home by phone and online. Kemper also offers Life and Health Insurance through Kemper Home Service Companies and Reserve National.


Nationwide Private Client Nationwide Private Client is dedicated to meeting the distinctive needs of our clients. When you need us the most, we won’t simply try to help, or promise to help, we will help. We measure our success by the relationships we build and the trust we earn. Our original roots date back to 1948. Known then as CalFarm Insurance, a small farm owner and surety bond issuer, Nationwide Insurance purchased the company in 1999. In 2013, Nationwide created a specialized property and casualty insurance offering for clients who value flexible coverages and comprehensive protection for their assets. Led by President Jim Pedersen, Nationwide Private Client brings a unique, distinctive policy offering to market on behalf of its clients. Our highly skilled and experienced sales, underwriting, claims and service professionals are focused on providing the best solutions and service for our clients. Utilizing cutting-edge technology, we developed an innovative approach to simplify the insurance process, while delivering customized policies. We have been in business since 1926, and hold an A1 rating from Moody’s and an A+ rating from A.M. Best and S&P. We invite you to read about our financial strength and company ratings.


Progressive Insurance The Progressive Group of Insurance Companies has always lived up to its name by being one step ahead of the insurance industry, and finding new and affordable insurance solutions. We began in 1937 with the first drive-in claims office, became the first to introduce reduced rates for low-risk drivers, and then changed the insurance shopping experience by offering comparison rates on the Web.


Pure Insurance Privilege Underwriters Reciprocal Exchange (PURE) is a policyholder-owned insurer dedicated to creating an exceptional experience for responsible high net worth individuals and families. Our product suite includes best-in-class, customizable coverage throughout the U.S for high-value homes, automobiles, jewelry, art, personal umbrella liability, watercraft, and flood. PURE was founded by some of the most knowledgeable and experienced professionals in the industry. They combined experience, insight and intuitive perspective to challenge the insurance industry’s conventional thinking. They recognized that policyholder-owned companies consistently delivered the greatest value and customer satisfaction. Further, they recognized that the leading specialist companies could offer broader coverage and more personalized service. PURE combines the best of both.


Safeco Insurance Safeco has been protecting individuals and families with personal insurance coverage since 1923. When it comes to some of your biggest investments, like your home, car or maybe even your boat, we know that trust matters. From the smallest fender-bender to a storm-damaged home, we’re standing ready at life’s trying moments. Safeco is here for you at any time and any day of the week. With a comprehensive range of insurance coverage and expert advice from local independent agents, we make it simple to protect what’s important to you and easy to get the best mix of coverage and pricing.


Travelers Insurance Travelers offers a wide variety of insurance and surety products, as well as risk management services, to numerous types of businesses, organizations and individuals. The company’s products are distributed primarily through U.S. independent insurance agents and brokers. Travelers is the second-largest writer of commercial U.S. property casualty insurance and the third-largest writer of U.S. personal insurance through independent agents, with total assets of approximately $105 billion, shareholders’ equity of $25 billion and total revenue of $26 billion as of December 31, 2012. Travelers is a component of the Dow Jones Industrial Average and employs approximately 30,000 employees with representatives in every U.S. state, Canada, the Republic of Ireland, the United Kingdom, and at Lloyd’s.