Our Partnerships

Zervos Group is Comprised of Three Partnerships

Our Partnerships - Zervos Group, Inc. Insurance & Bonds - parrtner1At Zervos Group, we take a team approach to providing our clients with the best insurance coverage for Michigan contractors and other small to medium sized businesses.

Each division is able to focus their attention on trends and markets in their specialty, so you get the most current offerings possible.

Zervos Financial Services, LLC

In 1997, Zervos Financial Services, LLC (ZFS) was incorporated as an independent Health and Life agency, a separate entity from the parent company Zervos Group, Inc. ZFS is known for its accessible customer service in both the individual and group markets.

Our agents are appointed accident, Life and Health carriers throughout the state of Michigan. We specialize in Employee Benefits and Group Insurance coverages- in today’s changing market, you need a specialist. We will install your plan, hold employee meetings and work with your administrator to provide a smooth transition into your new benefit package. We work to find solutions for individuals to establish financial security for the future.

ZFS products include: Group HMO, PPO, HAS and Self-Funded Health Insurance plans; Individual Short Term and Permanent Health plans; Disability; Long Term Care; Group and Individual Life Insurance; and Section 125 Plans to name a few.

Zervos Risk Management

Zervos Risk Management’s focus is to provide risk management services through different carriers. Even though we cannot give legal advice, we lend our knowledge to review documents such as contracts and leases (eg. Insurance requirements hold harmless, indemnification clauses). Taking service one step further, we have access (for a fee) to put you in personal contact with full-time dedicated insurance counselor.


Michigan Contractors Financial Services (MCFS) was formerly a part of Michigan Cat Financial Services, Inc. from its formation in 1997 until 2007. In 2007, the company aptly changed the MCFS to stand for "Michigan Contractors Financial Services". MCFS continues its mission to be the premium source for Contractors’ Insurance and Bonds. Our year of experience servicing the construction industry exclusively and our strong affiliation with Zervos Group places us at close to the job site as possible without actually wearing a hard hat!

Our knowledge of your trade, combined with our expertise and resources, equals exactly what you need from your insurance agent to meet your unique demands. For example, we understand the importance of Certificates of Insurance on your job site and that’s why we issue them the same day. We also understand why “downed” equipment costs you money, but that’s only half the equation. We believe that teamwork and a personal touch completes the job.

Get the protection your business needs to weather any storm. Contact Zervos today for a worry-free tomorrow!