Saginaw Bay Underwriters (SBU) is an independent insurance agency in the Great Lakes Bay Region of Michigan, offering risk advising and insurance services to businesses, employers, and individuals and families. We use a proprietary, three-step approach called The Clear Advantage™ to ensure clear results for our clients, not just insurance. Originally founded in 1863 to insure the lumber industry throughout the Saginaw Valley, SBU is now one of Michigan’s largest insurance agencies, serving more than 12,000 clients.