Nickel & Saph, Inc. Insurance Agency is an independent insurance agency that has been in continuous operation since 1929. Our agents and professional staff are dedicated to the public entity marketplace. Nickel & Saph adds value to a community’s insurance program throughout the year by conducting professional training, property evaluations, and educational seminars. The insurance companies Nickel & Saph represent offer stability and commitment to townships throughout Michigan. A periodic review of a township’s insurance needs assures township officials that qualified professionals have assessed a community’s needs and that the coverages secured are obtained at a competitive price.