(734) 213-6736​

Why I need to Provide Loss Runs to my Insurance? – Ann Arbor MI



Hello. My name is Rusty Korhonen, and I’m with Heidi Kussurelis Insurance, and I’m a producer for commercial lines.
One of the questions we get asked occasionally is, “Why do I need to provide loss runs? I have no losses.” Well, in the commercial side, carriers want to know what losses you had, and they’re comfortable with getting a loss run specifically from your previous carrier. If you’ve had three different carriers, you need to get three different loss runs.
Sometimes carriers will actually accept a letter of no losses, which is a letter that you write and sign. It’s like an affidavit that’s holding you to that, but most carriers want to see the loss runs from the previous carriers that you had.
Again, my name is Rusty Korhonen with Heidi Kussurelis Insurance. Say that three times fast.

Call Heidi KussurelisInsurance in Ann Arbor MI at (734) 213-6736​

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Customers said...

the agents at Kussurelis insurance agency are always friendly and knowledgeable. Very willing to help get answers for questions. highly recommended!!
Pamela Bebber
Pamela Bebber
Our rep Jennifer is great, she helped us smoothly switch over from our prior policy and made navigating a windshield replacement a breeze. Great service.
Ryan Davidson
Ryan Davidson
Staff are knowledgeable and quick to respond. I'm pleased to have the Kussurelis agency handling my auto insurance!
Lucinda Palmeri Lambert
Lucinda Palmeri Lambert
Jennifer J. has always been very helpful with questions we may have. We are happy with the Heidi Kussurellis Insurance company.
Mary Raftery
Mary Raftery
I spoke with Jacob Schroeder of the Heidi Kussurelis Insurance agency on 02/08/2023. He was very polite, courteous and knowledgeable. "Jake" made several valuable recommendations to my wife and I upon reviewing our home and auto coverage. These recommendations added better coverage at only a modest, nominal increase in our premiums.
Bob Zagacki
Bob Zagacki
Very prompt service.
Jim dutz
Jim dutz
Very efficient and friendly. Heidi Kussurelis Insurance helped me save significantly on my home & auto insurance.
Joe Partington
Joe Partington
Becky Gilbert is the best. Always kind, pleasant and very helpful!
Anne J.
Anne J.
Jennifer Johnson could not make it any easier for me to handle all my insurance issues!
Tracey Barton
Tracey Barton
On of the best Customer Service I have experienced throughout the many years I have been with them. Highly recommend
Mimmi Downing
Mimmi Downing
Quick quoting and seamless process to transfer to them for our insurance needs! Thank you to Lisa and Jennifer!
Gabrielle “Gab” Lamb
Gabrielle “Gab” Lamb
Keith at Heidi Kussu , Auto insurance helped me get on the road.👌🇺🇸✌
Michael Crist
Michael Crist
These folks are the best, got us somewhere around 2.5x-3x the coverage we previously had, all at the same rate and with much more customer friendly terms than our prior home and auto policies. If you like saving money and while getting better insurance coverage, call the folks at Heidi Kussurelis Insurance, if you're really lucky you'll get to work with Tammi like we did.
michiganfan1012
michiganfan1012
They are extremely responsive to my emails, never upselling me, and explaining all my options available. It really is a pleasure working with them. As in, a relaxing experience. Highly recommend.
Charles Cohen
Charles Cohen
Raymond Jahn has been very diligent finding an insurer for our house and the autos.
Frank Brooks
Frank Brooks
Jennifer Johnson was very helpful helping me get a declarations pages on behalf of a mutual client.
Karcher Smith
Karcher Smith
Very responsive and easy to work with
Cathy King
Cathy King
Great people that treat you like family and simplify all of the processes required to understand complex policies. All staff members are extremely polite, knowledgable, and respectful.100% recommended and been with the company for 20+ years
Pratik Narula
Pratik Narula
Extremely helpful with my many questions.
douglas monach
douglas monach
Landon is excellent,patient and professional. Worked with me through the entire process.He answered all questions and made everything hassle free.Great Agent. Thank you Landon.
Jacklyne Jaryan
Jacklyne Jaryan
I called with many questions and concerns and they did a great job to address everything. Very patient, we are very satisfied with our customer service.
Lynn Carpenter
Lynn Carpenter
My company has used this agency for about 3 years now and I can confirm that I have received excellent service. I highly recommend Heidi Kussurelis Insurance.
Akinyinka Awosika
Akinyinka Awosika
I've been working with the Heidi Kussurelis agency for my business insurance needs for years now. I've worked with several of their agents over the years and have always felt their service to be good. But, recently I had a lot of changes going on with my business that required me to adjust many aspects of my coverage in a short period of time. My agent Samantha Trammell was right there to assist me with every change I threw her way. She really took the time to understand exactly what changes were happening within the business so she could come up with the right insurance solutions for us. She always took the time to explain all the available options and made recommendations that I truly felt had my company's best interest in mind. I cannot say enough nice things about my experience in working with her. She's extremely knowledgeable, works with a sense of urgency, and an all around pleasure to work with!
James Michalski
James Michalski
Ms. Gilbert is the consummate insurance service provider.l have benefited greatly by her personal knowledge of my needs and her professionalism is first class.
Wm Mann
Wm Mann
In this day and age of social / business contact avoidance , I am pleased to report that over and above customer service , account engagement and consumer experience is alive and well thanks to Jacob Schroeder at this Nationwide office ! Jake made it a seamless process to quickly review auto coverage and supply me with my proof of insurance cards in a matter of minutesPlease know I have not taken the time to provide a written review ; as it has not been warranted until yesterdayIn executive business and brand leadership for over 30 yrs w Hanes , Carhartt , Timberland , TYR and now as Chief Growth Officer at Troll Clothing / Welder Nation , Jake clearly has the business “ it” factor!!!Nationwide please realize what you have in JakeEither promote him and provide him with a major lift in compensation as he is someone who is a “ rain maker”Charlie SiracusaChief Growth OfficerTroll Clothing / Welder Nation
Charlie Siracusa
Charlie Siracusa
Professional and efficient ......Jennifer is always on top of things!
Tim Edwards
Tim Edwards
I heard about this company through close family 👪 spoke with Jake S, He was amazing very professional, Friendly and he was able to find me the best deal ever. I would totally recommend him to more family and friends. Thank you so much very grateful for everything Jake did for me and my kids, was able to save more money. 🙏
Erica Swanson
Erica Swanson
Ray Jahn and Heidi have been handling our insurance needs for years. We have always found they make sure we have all the coverage we need and for the best price in the market. I highly recommend using them to protect yourself and family!
George Harabedian
George Harabedian
My wife and I have had an umbrella policy with Heidi Kussurelis Insurance agency for a couple of years now for both of our vehicles and our homeowners' insurance. We are very happy with the response of their team.
Bob Zagacki
Bob Zagacki
Great customer service and explained my coverages well. Very responsive and great agents.
Matthew Fritzie
Matthew Fritzie
They have always been a great help when getting anything done for me.
Nicole Gilly
Nicole Gilly
Rusty was fantastic to work with and all interactions I have had with this agency have been top-notch!
Valerie Kearns
Valerie Kearns
We think they are great.Yes.
Edward Rollins
Edward Rollins
We have been clients of Heidi's for 20+ years. We insure our nonprofit resale shop, Nu2U Again, in Saline with Heidi also. Very helpful and knowledgeable!
Lisa Rentschler
Lisa Rentschler
Becky is the best! She has given outstanding service for over 20 years! She is the main reason I do business with Nationwide!
Joel Abramson
Joel Abramson
Becky is a rock star!
Beth McCormack
Beth McCormack
Excellent Customer Service. Thank you.
Atul Amin
Atul Amin
Ray is very on top of things! Thank you!
Caroline Ezop
Caroline Ezop
Great service.
Robert Hoff
Robert Hoff
Samantha is really helpful she always makes sure I have what I need and if I have any questions she makes sure she gets me the answers.
Kay Be Eye
Kay Be Eye
I found Jennifer Johnson to be courteous and quickly responsive to my insurance needs. Very satisfied!
Vincent Bovio
Vincent Bovio
I want to say thank you very much to Jacob Schroeder! He is very helpful and knowledgeable.
Faith Porter
Faith Porter
Ive Known Jacob Schroder for a long time. He is Amazing to Work With and when he says he's going to do something he completes it in a timely fashion with expected results. 12/10 wouldn't recommend anyone else.
Jake Currie
Jake Currie
I've had a great experience working with Jake Schroeder for the past year+, he's always easy to communicate with and quick to get back to me with any answers or changes I need. Highly recommend!
Jeff Rosen
Jeff Rosen
My agent is the best Landon!!!!!
Zandra Talley
Zandra Talley
Jacob Is always a can do individual, going beyond to look out for us. Absolutely 100% pleasure to deal with.....
russ semon
russ semon
Love this Agency!
Jake Schroeder
Jake Schroeder
Jennifer has been absolutely wonderful to work with! Her responses are helpful, appropriate, and timely and her kind personality helps when being first-time HOI purchasers. We are glad to have our HOI with them.
Alyssa Albaugh
Alyssa Albaugh
I have worked with Heidi Kussurelis Agency for the past two years and find the team very responsive to questions and concerns. They follow up on the details and make sure everything is handled perfectly. I recommend the team for any insurance needs or questions.
Rod Green
Rod Green
Jake Schroeder is good agent. He helped me through the process of paying my car insurence. And other varieties of questions. Straight to the point and professional. Thanks Jake
Ryan Stoll
Ryan Stoll
I had the most wonderful experience with Tammy Tu. My brother recommended me to her and I am very grateful for that. She was able to find me the best insurance for a price that worked for me. We also had some great conversations too! If you are looking for insurance be sure to ask for Tammy Tu. She was very thorough and professional. You will not be disappointed!
Madeline Hults
Madeline Hults
I wanted to share my gratitude for my agent Tammi Tu with helping me get my new Auto Insurance policy. I moved from Illinois to Michigan and needed a Michigan policy. She made it easy, worked around my busy work schedule and was very professional! Thanks for making me feel safe and supported Tammi!
TheModernDrJay
TheModernDrJay
Jake Schroeder always goes above and beyond to make sure all of our family's insurance needs are taken care of. We've never met in person, but phone conversations have been more than enough to lead me to call him a friend. He is an asset to your company....sincerely, Pastor Michael Saunders
Michael Saunders
Michael Saunders
I worked with Jennifer and she was extremely knowledgeable and a consummate professional in every way. Jennifer was able to answer all my questions and made me feel like a valuable client. I went into the conversation aiming to change carriers and agencies. I finished feeling very comfortable and pleased to maintain the relationship with Nationwide and the Kussurelis agency.
Robert J Glasgow
Robert J Glasgow
The Kussurelis Agency insurances us personally and also insures our nonprofit, Nu2U Again Resale Shop. We have been with the Kussurelis agency for 20 years or so.
Lisa Rentschler
Lisa Rentschler
Tammi Tu was extremely professional and fast with all of my questions and changes to my policy. It was such a pleasure to work with her and I look forward to her being my new agent.
Nancie Rowe-Janitz
Nancie Rowe-Janitz
I've been with their agency for a little over 4 years and always am happy with the service. I'll shop rates around and still haven't left because I'm getting the best deal around too. Tammy T. most recently helped, very professional, kind, and fast. I highly recommend Heidi's team to all of my clients.
Michael Zanto
Michael Zanto
Jennifer was fantastic to work with
Donald “Don” Boyer
Donald “Don” Boyer
Been a customer for 10+ years and very happy with the pricing and service. Becky Gilbert is always lightning fast getting certificates of insurance turned around for me and my own clients. Thank you!
Paul Conahan
Paul Conahan
Keith helped me with getting an auto insurance policy that I am very happy with. When running the reports, the price jumped up from what was originally quoted. I was OK with the final actual price, but Keith went above and beyond to get my actual price successfully back down the quoted price we had talked about!
Young Justin Hsu
Young Justin Hsu
Tammy was a great assistance and very knowledgeable!
Derek T
Derek T
Jennifer at Heidi Kussurelis is a true gem! She dealt with my car insurance issues is an always timely, super friendly and professional manner. Awesome to do business with them.
cbeeper
cbeeper
If you want all your insurance needs handled by one company, this company has exceeded my expectations. Recently having filed a claim for damage to my home....everything was handled within hours of calling.Thank you, Kussurelis agengy.....and my special agent, Jake.
Grant Sweeso
Grant Sweeso
Who needs Jake from State Farm when they can have Jake from Heidi Kussurelis Insurance Agency to take care of all their insurance needs. Jake's knowledge, kindness and excellent customer service is why I'll always remain a client and customer with this agency. Thanks Jake from HKI.
Lisa Merglewski
Lisa Merglewski
I was working with Tammi , she called me with great news a day before she said she would. She saved me a lot of money . She took a load of my shoulders. She was very professional and I believe she cares for the people she comes in contact with. What a great person Tammi is.
Teresa Thomas
Teresa Thomas
I have been with the Heidi Kussurelis insurance agency for many years now,even after several moves north,I'm still sticking with them!Very professional and personable,they never rush me and are very helpful,Jake has been extremely helpful!Our family has been very satisfied with there service.
MiKe Merkweki
MiKe Merkweki
Jake Schroeder helped set me up with a great policy. Then when I needed to make a claim it was quick and easy to get everything taken care of to get my house fixed.
Adam Rhodes
Adam Rhodes
I've been with Heidi's agency for years. They take care of every little detail, and treat me with respect. See what they can do for you.
Christopher Jay Wolff
Christopher Jay Wolff
Becky Gilbert
Claude Norwood
Claude Norwood
Samantha in Heidi Kussurelis office is a pleasure to work with. As a President of a HOA I’m responsible for keeping our rates competitive, but can’t spend a lot of time doing it. Samantha makes it easy to get things done in the short window of availability I have to give to volunteer work.
Eric Sorenson
Eric Sorenson
Becky knew immediately what I needed and took care of it in a minute. Great job, Becky
John McCauley
John McCauley
Amazing place if you looking for competitive rates and best coverage! If you reach out, ask for Becky. She was a pleasure to work with and I highly recommend her.Five stars from me!
simoo89
simoo89
I have been with this agency for several year and have had a sense of security knowing the are watching my back. Very polite and knowledgeable. Have always thought they were looking out for my best interest. Would not hesitate contacting them for any of my insurance needs. Highly recommend
sparky
sparky
I like when people can think! The team at HK Agency, particularly Becky, Samantha, Jenifer - all go above and beyond! I am so busy and they remind me when things are due, or if a problem can be avoided!
Patrick Butters
Patrick Butters
Always so helpful at this office!
Monica Brooks
Monica Brooks
I've been with Nationwide for years and have switched agents many times. Jacob Schroeder is a wonderful agent. He is knowledgeable, patient, and answers all of my questions. When I need to make a change, he is fast and makes sure it's accurate. Thank you Jacob! (T)
Valerie Risko
Valerie Risko
Team has always been very responsive and supportive of any of my family's needs over the past 10+ years. Highly recommend.
Marnie Butler
Marnie Butler
Prompt and friendly service that's always available when you need it!
Matt Fahnestock
Matt Fahnestock
Love my agent.
Zandra Talley
Zandra Talley
We needed to change our insurance over in order to purchase a car. Jennifer was extremely prompt, and helpful. I would highly recommend this agency for their service.
Jerard Gordon
Jerard Gordon
Jennifer responded to a request accurately and promptly
Enzo Fanelli
Enzo Fanelli
Excellent customer service and guidance with respect to insurance products and services. I have been a long time customer and highly recommend to people looking for reliable, prompt and honest services.
SANJAY ARORA
SANJAY ARORA
I love working with the Heidi Kussurelis Agency. Whenever I have a question, they are quick to answer and if they don't know something, they will check into it and call me back.
Shannon Henson
Shannon Henson
Thanks for being a great agency to work with. Their personal and professional service is top-rated.
Carla T
Carla T
Friendly staff and very good at responding to your needs
TONI FOUNTAIN
TONI FOUNTAIN
Always been very happy with the people, serviceand responsiveness to my questions. They have been great with policy questuons, updates and changes!!!
Eric H
Eric H
Honest advice and prompt service .
Ishwar Naik
Ishwar Naik
Always thankful to have someone on the phone to offer quick reassurance and prompt professional help. It give me peace of mind even before the fender bender. And more so just after. Oops.
Hil Nix
Hil Nix
Becky took the time to answer multiple questions and interrupt what she was doing to make sure I received notification of my coverage for the Secretary of State requirement. Thank you!
Amy Unsworth
Amy Unsworth
Great staff and people. They have always been quick to respond and get me the best rates available- I'm cheap and I'm still with them! Haven't been able to find cheaper rates even thru my work "discount" insurance.
Tim Sterling
Tim Sterling
Jennifer has been great to work with! Very knowledable and helpful!
Amy Spence
Amy Spence
Becky is awesome. She has been servicing my commercial account for years. Thank you Becky!!!
RC Johnson
RC Johnson
They were very professional. Also it was always easy to get in contact with someone when I needed them.
LeMar Callaway, Jr.
LeMar Callaway, Jr.
This agency went above and beyond and exceeded all of my expectations! Raymond was extremely helpful, knowledgeable, and prompt with getting back with me. I can tell from his phone voice he’s probably extremely handsome too. Woowheeee can’t recommend this company enough!
Chelsea H
Chelsea H
My experience was great with this agency. They were very friendly and quick to respondHighly recommend
Jacqueline Miller
Jacqueline Miller
Love the Heidi kussurelis agency them guys really will take care of you.. especially Raymond and Karen. I will refer them all over the world
tsm ju yt
tsm ju yt
Great service!! Fast and always helpful! I Have had my company insurance here since I started my business in 2011. Thank you for all you have done for us!
Buddy Hammett
Buddy Hammett
I called the agency to get a quote. Ray went through all the coverages and improved my policy and was able to save me money. I really appreciated the professionalism that was displayed. I highly recommend calling this agency.
Poop Adams
Poop Adams
I recently had to make a claim. My agent got back to me quickly on a Saturday. I got the rental car I wanted. The claims process was quick and the local office staff was helpful with some extra tips. Not happy to have to make a claim, but VERY happy with the service I received!
Craig DeSimone
Craig DeSimone
I've known and worked with Lori Boyer-Ott for several years now. Not only has she helped me with my various personal insurance needs, she's helped some of my clients too. She's very knowledgeable and takes the time figure out what's best for the client. I would recommend her and her agency to anyone considering insurance.
Richard Witter
Richard Witter
Becky Gilbert is very friendly and helpful!
Kim Michowski
Kim Michowski
Super efficient
Becky Gilbert
Becky Gilbert
The New ownership has been Great From my experience!
Sam Kurtz
Sam Kurtz

“The attention I received from the Heidi Kussurelis Agency team was unparalleled. They paid genuine attention to my budget concerns, and came up with a plan that was comprehensive yet cost-effective.”

Emanz Reign

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