Coldbrook Insurance Group LLC

Independent. Locally Owned.

Small enough to know your name. Big enough to protect it. Commercial, employee benefits, real estate, and personal insurance from an agency that answers when you call.

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How We Can Help You

One agency, three ways we protect what matters to you:

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Services for Businesses

From general liability to workers' comp, we build coverage around how your business actually runs, not a one-size-fits-all package.

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Personal Services

Home, auto, and the things in between. Coverage for your life, built by people who'll actually pick up the phone.

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Employee Benefits

Health, dental, vision, and more, coordinated from one place so open enrollment doesn't become a scavenger hunt.

Industries

Who we Work with

Every industry carries its own risks, from a dealership's lot full of inventory to a condo association's shared property to a manufacturing floor full of precision equipment. We've spent years building coverage around businesses like yours, not adapting a generic policy after the fact.

Whether you're a West Michigan business, a multi-state employer, or a specialty operation most agencies don't know how to insure, we've likely worked with a business like yours before.

All Industries

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Modern two-story commercial building with large dark glass windows, a metal canopy over the entrance, and an address number 2000 above the door, three flagpoles with an American flag and two other flags, two vehicles parked near the entrance, and two people standing outside.

About Us

A Team Worth Knowing

Coldbrook has been named a Diamond Award winner, a distinction given to independent agencies that meet some of the highest standards in the industry for growth, service, and client retention. It's not a participation trophy, it's earned year after year.

One of our founding agency principals, Pamela Osborn, has also been recognized with induction into the Insurance Hall of Fame, honoring a career built on the same principle this whole agency runs on: show up, know your clients, and do right by them long after the policy is signed.

Team

Awards

When Something Happens, We Answer

A claim is the moment your policy actually gets tested, and it's exactly when you don't want to be stuck on hold or filling out a portal. Call your Coldbrook contact directly, and we'll take it from there.

Fast intake, a three-way call with your adjuster when it helps, and a clear sense of what happens next. That's the same standard we hold ourselves to whether you're a two-person shop or a company with a hundred employees.

CLAIMS

Contact

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"Our condominium homeowners association has had the team at Coldbrook insurance helping us with our insurance needs for our community for almost 6 years. We have been very happy at the communication with the Coldbrook insurance group, specifically Samantha Blouw, who has been extremely helpful to the board making sure that the coverage is complete and adequate for the Association. Our questions and needs are handled quickly and efficiently. We would highly recommend them for any insurance needs."

"I strongly recommend Coldbrook Insurance Group. For over 15 years, my companies (and communities) have beneﬁted from Coldbrook’s timely, helpful, and proactive assistance. They understand our business and always search for the best price. The stellar contributions of their Account Manager, Kathy Zago, are beyond reproach. In fact, our employees mention Kathy when they speak of professional excellence. She is a superstar! I look forward to partnering with Coldbrook and Kathy for many years to come."

"Our business could not be happier with the service we have received from Coldbrook Insurance. Our agent, Samantha is always looking for the best pricing come renewal time and whenever a need arises it is handled promptly and efficiently. Coldbrook is always looking out for ways to help their clients save money and still receive excellent customer service."

"As a community association manager , one of the most important parts of our job is to make sure that an association has the correct insurance coverage. We rely heavily on our partnered insurance companies and agents to advise us as managers on needed policies and coverage requirements for each association. I have found Coldbrook Insurance Group to be the best and easiest insurance agency to work with. I have sent several renewal policy requests to Tracey Malecke for the associations I manage, and she has been able to save them a significant amount of money in premiums as well as getting them policies with better coverage. I would highly suggest Coldbrook Insurance Group for any of your insurance needs."

"Coldbrook Insurance Group has been a trusted partner for our insurance needs. What I value most is how responsive, knowledgeable, and genuinely helpful both Ryan and Tracey are. They’ve made sure we have the right coverage in place and have always gone above and beyond to support us. If you’re looking for an agency that truly puts clients first, I can’t recommend Coldbrook enough."

"Working with Coldbrook Insurance Group has been one of the best decisions for both my personal and business insurance needs. What I value most is their responsiveness and genuine commitment to making sure we’re properly protected—not just sold a policy. Ryan, Tracey & Amy take the time to explain coverage options clearly and always look for the best solutions tailored to our situation. They’ve helped us streamline our policies, improve our coverage, and even save money in the process. Anytime we’ve had questions or needed adjustments, their team has been proactive, knowledgeable, and easy to work with. If you’re considering Coldbrook Insurance Group, I would absolutely recommend them. They operate with integrity, communicate clearly, and truly put their clients first. You’ll feel confident knowing you have a trusted partner handling your insurance needs."

"Professionalism and the impression our agent, Chris Parker and the Coldbrook Agency, values quality insurance coverage/solutions tailored to my needs as their primary interest. This helps me personally because I do not have a question floating around in my mind whether I am adequately insured against any hazard I may encounter. I am a tough customer. I demand professionalism and quality from any and all business relationships. Fairness is paramount. For me to recommend my agent Chris Parker to others (friends) is sticking my neck out for no gain. I have and will continue to recommend Chris Parker and Coldbrook without hesitation."

"Working with Coldbrook Insurance saved me a third off my insurance bill as a commercial property owner. That's because most other insurance companies don't specialize in multi-family rental units. Coldbrook's expertise saved me almost $10,000 a year in premiums. Not only that, Tracey Malecke and Samantha Blouw have gone to bat for me when renewal time comes around. They often asked for reduced premiums, using evidenced based criteria to do so. I recommend Coldbrook to everyone. If you're in the rental business, you have to be in business with Coldbrook."

"We have worked with Justin Mack at Coldbrook Insurance for many years, and he has been a tremendous partner to our business. The Coldbrook team is always professional, responsive, and truly great to work with. It’s reassuring to know we have people looking out for our business who understand our needs and take time to explain our options. One of the things I appreciate the most is having a local representative we can meet in person throughout the year and when our renewals are coming up. Being able to sit down face-to-face when I have questions or need guidance makes a big difference. It gives us confidence that we’re getting the right coverage and support. Over the years, they have consistently gone above and beyond, and we are so grateful for the relationship we have built with Coldbrook Insurance. I would highly recommend them to any business looking for knowledgeable, reliable, and friendly insurance professionals."