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Welcome to Americas Commercial Expert

 At America’s Commercial Expert, our Michigan roots shape the way we serve—straightforward guidance, genuine care, and a commitment to protecting what matters most.

Today, A.C.E. helps businesses navigate commercial insurance with expertise tailored to real-world business needs. We provide clear guidance, personalized solutions, and a trusted partnership to help business owners protect what they've built.

Contact us today to start a conversation—not just a quote.

Discuss Your Commercial Insurance Needs

Why Choose Americas Commercial Expert

Protection shouldn’t just be about cost — it should be about being made whole again.

 Thoughtful, knowledgeable insurance guidance for businesses, homes, autos, and recreational toys — backed by 20+ years of experience. 

Michigan‑Rooted Expertise

 Born and raised in Michigan, the CEO of A.C.E. understands the unique risks of Great Lakes living — local businesses, lakefront homes, seasonal properties, boats, toys, motorcycles, semis, farms, hobby farms, and rented‑out dwellings. 

A Consultative, Human‑First Approach

ACE is built on the founder’s 20+ years of hands‑on industry experience — including 15 years inside carriers — so clients get smart, practical guidance shaped by real‑world knowledge. And every client talks with a real human who brings expertise, empathy, and clear communication to every conversation.

Available Coverages

Business Insurance

Business Owner Policies

Professional Liability

Auto

Health

Workers Compensation

Landlord

Farm

Flood Coverage

Home Insurance

Primary Home

High Value home (no limit)

Hobby Farms

Seasonal Homes

Home rented to others

Flood Coverage

Life Insurance

Fixed

Whole

Term

Variable

Annuities

Automobile Coverage

Standard Auto

Business Auto

Motorcycles

RV

Collectible Cars

Recreational Vehicles & Powersports

Motor Home/RV

Yachts

Boats

Jet Ski

ATV

Side by side

Snowmobile

More

And more

Specialty Markets are available for more complex risks. Coverage availability subject to underwriting approval for all lines of business.

Ready for thoughtful insurance guidance?

Call or text - 231-872-0283

Sarah.Merchant@AmericasCommercialExpert.com

Contact Ace

Insurance Proposal Request

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Fill out the form and you will be contacted in next 24 business hours, often the same day. For immediate service please contact our office at 231-872-0283.

Site Content

 Coverage cannot be bound, issued, or altered through this website.   Any request to start, change, or confirm insurance coverage must be completed by speaking directly with a licensed representative of the company. All online tools, quote forms, and informational materials are for general guidance only and do not create, modify, or guarantee coverage. 

Americas Commercial Expert LLC

Merchant@AmericasCommerialExpert.com

(231) 872-0283

Copyright © 2026 Americas Commercial Expert - All Rights Reserved.

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America's Commercial Expert is updating our website to better serve business owners and referral partners. 

Some pages or links may be incomplete or may not yet reflect our latest information.


In the meantime, we're open for business and happy to help with your commercial insurance needs.

Questions? 


Contact us at Merchant@AmericasCommercialExpert.com

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