Recommended elite-level agency with higher expertise to match insurance coverage. Recommended Local Agency
Garwood, Buda, Knight and Associates, Inc
  • Business
  • Home
  • Auto
  • Life

Garwood, Buda, Knight and Associates, Inc

Independent Insurance Agent in Livonia, MI

About us

Garwood, Buda, Knight & Associates, Inc. (GBK Insurance) is an all lines Independent Insurance Agency serving Southeast Michigan since 1968. GBK's experience and knowledge in the insurance industry have saved our customers thousands of dollars in insurance premiums. As a local independent agency, we have the ability to rate with multiple carriers, providing you the coverage you desire for a competitive price.

For Personal Lines Customers, we offer insurance for your Home, Auto, Classic Autos, Motorcycle, RV, Boat, Personal Watercraft, Snowmobile, Pets, Landlord, Umbrella, and Life. By working with Auto-Owners, Citizens/Hanover, Safeco and Progressive, we can find the right policy for the right price.

For Business Insurance, we offer Property, Liability, Cyber Liability, Commercial Auto, Business Owners Policy (BOP), Inland Marine, Workers' Compensation, Umbrella, Contractor Bonds and more. GBK specializes in:

  • ‚ÄčCommercial Roofers
  • Educational Institutions
  • Tool & Die Manufacturing
  • Heating & Cooling
  • Electrical
  • Landscapers
  • Restaurants
  • Craft Breweries
  • Dog Daycare/Pet Related Services.

Let the experienced, motivated staff of GBK Insurance assist you in meeting your personal and/or business insurance needs.

Personal and Commercial Lines insurance professionals

Ask me about these types of insurance...

Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.

Request an automobile insurance quote

An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

Request a business insurance quote

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

Request a homeowners insurance quote

If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.

Request a cyber liability quote

An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

Request an umbrella insurance quote

Restaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.

Request a restaurant insurance quote

Why choose Garwood, Buda, Knight and Associates, Inc

States we serve

  • Michigan

Our insurance coverages

Personal insurance coverage

  • ATV
  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Flood
  • Home
  • Identity Fraud
  • Landlord
  • Mobile Home
  • Motorcycle
  • Other
  • Personal Watercraft
  • Pet
  • RV / Motorhome
  • Renters
  • Snowmobile
  • Special Event
  • Travel Trailer
  • Umbrella

Business insurance coverage

  • Accident & Health
  • Bonds
  • Builders Risk
  • Business Owners Package (BOP)
  • Business Vehicle
  • Contractors Equipment
  • Cyber Liability
  • Directors & Officers
  • Employment Practices Liability
  • Errors & Omissions
  • General Liability
  • Inland Marine
  • Other
  • Professional Liability
  • Property
  • Umbrella / Excess
  • Workers' Compensation

Life & Annuties coverage

  • Annuities
  • Life

Industries we serve

  • Accommodation and Food Services
  • Arts, Entertainment, and Recreation
  • Construction
  • Educational Services
  • Finance and Insurance
  • Health Care and Social Assistance
  • Information
  • Manufacturing - Food / Beverage / Textiles / Apparel / Leather
  • Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
  • Manufacturing - Wood / Paper / Paper / Mining / Plastics
  • Other Services (except Public Administration)
  • Professional, Scientific, and Technical Services
  • Public Administration
  • Retail - Sporting Goods / Hobby / Music / General / Misc.
  • Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
  • Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
  • Transportation and Warehousing
  • Utilities
  • Wholesale Trade

Recommended insurance company partners

Other companies we work with:

Accident Fund, American Modern, Auto Owners Insurance, Auto-Owners Insurance Company, CNA, Great American Insurance Company, Hagerty, Pie Insurance, The Hartford, Vindati

Garwood, Buda, Knight and Associates, Inc Team

Kayo Clifford - Principal
Kayo Clifford
Lisa Knight - Principal
Lisa Knight
Pam Sparrow - Principal
Pam Sparrow
Jim Hunt - Agent
Jim Hunt
Kelly Calmeyn - Agent
Kelly Calmeyn
Christina Nietubicz - Agent
Christina Nietubicz
Lois Randall - Customer Service Representative
Lois Randall
Customer Service Representative
Elizabeth Blackmer - Customer Service Representative
Elizabeth Blackmer
Customer Service Representative

Garwood, Buda, Knight and Associates, Inc Reviews

Average based on 26 reviews Leave a review

Customer Reviews

June 1, 2022

I have been dealing with Garwood, Buda & Knight for well over 30 years...pretty much my entire driving "career". For a good part of those years, Kelly has been my agent. She has ALWAYS been helpful, responds quickly to random insurance questions and is very knowledgeable. She will always do her best to find the best insurance at the best price. I often have coworkers tell me to check out their insurance company and when I send them my policy they will admit they can't come close the coverage for what I currently pay. I would highly recommend this company for all of your insurance needs!

June 1, 2022

Christina helped me find a cheaper car insurance, and I couldn't be happier with how nice, professional, and fast she was, at taking care of everything for me! Very smooth process overall, in the end saving me a lot of money! I will absolutely recommend GBK & Associates to my friends and family.

June 1, 2022

Working with Christina has literally been one of the best experiences Ive had since starting my business. She made the process easy with getting my general liability and workers comp insurance and is super knowledgeable. I have since gone to her for all of my insurance needs! I recommend this team to anyone!

June 1, 2022

At Garwood Buda Knight & Associates I have been treated exceptionally well whenever I have to call them. Christina has been available whenever I contact the company and even though I may be unsure of any procedures that need to be done, every one approaches it as a common task that they don't mind getting involved with at the time. I highly recommend this wonderful company and plan on staying with them for years to come. Dr. Phil Hoehn

June 1, 2022

I have been with GBK Insurance for several years and Jim has been terrific to work with. He is always responsive to to my needs and got me the coverage I needed at an affordable price. Highly recommend!

June 1, 2022

I've had insurance for my small businesses with GBK since the mid 1980's I trusted Wes and met with him every year for many years. Even though he retired, their team took over and made me feel confident that I was getting the right coverage and at rates I know are reasonable. By email or phone, those guys are great at responding.

June 1, 2022

I have been dealing with Garwood, Buda, Knight & Associates for over 35 years now. They are very professional and have been extremely responsive to my insurance needs over the years. They are very patient in answering your questions to ensure they are providing you with the proper coverage.

June 1, 2022

Christina at GBK & Associates saved my business money and even provided us with better coverage. We are so happy with the service we received at GBK we even moved our personal policies to them too. In the 5+ years we have been with them they have never let us down. Leo LPS Construction, Inc.

June 1, 2022

We have our personal lines policies with Kayo. Very professional and I can always call and get an answer.

June 1, 2022

Great customer service, they saved me money on my building and business insurances. Christina is the best


Garwood, Buda, Knight and Associates, Inc

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