About Us

Tri-County Agency is an independent insurance agency serving Michigan since 1950 and representing several excellent companies to service your insurance needs.

As an Independent Agency, we represent many quality insurance companies. This unique relationship means that your agent can choose from various insurance products to recommend the protection best suited to your needs. Having someone working for you means you can count on personal service and attention. We are capable of providing all lines of insurance needs. for example: home, auto, motorcycle, boat, business, farm and trucking. We represent a variety of highly rated companies and work hard to make sure that each and every client gets the personal attention they deserve and the low price that they desire.

Our Staff

Cliff Miller

CIC | Managing Partner

Cliff Miller provides leadership and strategic direction at Tri-County Agency.  He is passionate about business, risk management, and insurance coverage.  Cliff recognizes that a client-centric mentality is key to hiring your next insurance counselor & risk manager.  You will find Cliff invaluable in complex situations that require thoughtful strategy to navigating the unique challenges of today.  He welcomes opportunities to invest in deliberate strategic planning through the ‘TCA-360’ risk management process.

Your relationship with a forward-thinking insurance professional starts here.

For a comprehensive list of experience, education, and accomplishments, please review:  https://www.linkedin.com/in/cliffmiller/


Mark A. Ferguson

Commercial Risk Management Specialist | Chief of Police (Ret.)

Mark and his lovely wife Mindy have raised three, now adult, children in the Tawas area.  Mark passion for his community is evident through his volunteer work in many community organizations including the Tawas Lions, Huron Hockey & Skating Association, Tawas Planning Commission, Northern Michigan Children’s Assessment Center Board of Directors, Baldwin Township Planning Commission, and Iosco County Crime Stoppers.

Mark comes to Tri-County Agency with a broad range of work experience in construction, manufacturing, and sales.  Mark was employed by the Tawas Police Authority in 1999.  Patrolling the streets of Tawas City and East Tawas gave Mark an opportunity to interact with people from all walks of life and in all types of situations.  Managing risks from crisis to mundane allowed him to relate to people.   Mark became the Chief of Police at the Tawas Police Authority in 2009, a position he held for over ten years.   Eventually, after twenty years in law enforcement and looking for a chance to have a second career and continued variety in life, Mark investigated opportunities in the insurance industry.  Mark has managed some of the most serious risks society faces.  With that experience on his belt and intimate knowledge of so many industries, we at Tri-County Agency feel he has the background to be the ultimate Risk Management Specialist.


Judy Quarters

CIC | Office Manager

Judy has had the good fortune of working for Tri-County Agency, Inc. since 1977. She was born and raised in Tawas and has loved raising her family, living working and volunteering in this area.

Judy has been a licensed agent since 1983 and currently holds the designation of Certified Insurance Councelor (CIC) and Certified Insurance Service Representative(CISR). Judy’s responsibilities include office manager, bookkeeping, marketing, and servicing commercial lines.


Heather Belanger

Operations Manager

Heather has lived, worked and played in Tawas her entire life. A 2005 graduate from Tawas High School, she started working for Tri-County Agency as a co-op student in 2004 where she fell in love with insurance and has found a home within the industry ever since.

Heather has worn many hats at Tri-County, most recently serving as the Operations Manager.  In her spare time, Heather is attending Northwood University to complete her Bachelor of Business Administration Degree. She enjoys being a “sports mom” and can be found cheering her kids on at many events, shuffling practice schedules and volunteering in many organizations within our community.


Lindsey Martin

Personal Lines Account Executive

Lindsey joined the Personal Insurance Division of Tri-County Agency, Inc. in January of 2019 after investing a decade in the banking industry as a mortgage underwriter.  Lindsey’s strength is in taking care of clients; she prides herself on providing a world-class customer experience.  Lindsey works primarily in our Tawas office and looks forward to a lifelong career at Tri-County Agency.

Lindsey was born in Tawas and graduated from Saginaw Valley State University.  She and her husband have two beautiful children.  In her spare time, Lindsey enjoys running along beautiful Tawas Bay, taking her kids to the local parks, and remodeling her home with her husband.


Kyle Stonehouse

Personal Lines Agent

Kyle joined the Personal Insurance Division of Tri-County Agency, Inc. in January of 2018 after investing a decade in retail auto sales.  Kyle’s strength is in his knowledge of protecting personal assets.  Kyle works primarily in our Grayling office and is heavily involved in various community organizations in Crawford County.  He is an active board member of the Grayling Youth Booster Club, the Crawford County Community Foundation, and the Michigan Canoe Racing Association (MCRA).

Kyle is a competitor in many regards.  He strives to earn the trust of our clients through hard-work and thoughtful consideration.  He is also an avid paddler that has completed the AuSable River Canoe Marathon five times.


Nicole Foster

Manager of First Response 

Nicole joins the Tri County Agency as a former 2005 Tawas area graduate. She has recently worked with Northeastern Michigan Community Service Agency; a nonprofit organization that services 11 counties throughout Northern Michigan. Her experience and strengths are rooted in providing quality care and developing strong lines of communication with our community.

She enjoys spending time with her three sons in her down time, switching between baseball, soccer and hockey. Her hobbies include photography and traveling.


Craig Harrison

Craig Harrison

Life and Health Product Specialist

Craig Harrison has been in the health, life and annuity industry since graduating from Central Michigan University in 1987. He is licensed with multiple different companies as an independent agent. He currently resides in the Auburn area with is wife, Carol, and two children, Brendan and Morgan. In his spare time, he enjoys hunting, fishing, playing softball, gardening and camping.


Insure Your Future... Today!

Leave A Comment