Joe Karam and Jack Daly have run Karam-Daly Agency, Inc since 1989. It is an independent insurance agency specializing in employer group health plans for small group employers. It carries a number of insurances, including Aetna, Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan, Delta Dental Plan of Michigan, The Guardian, Health Alliance Plan (HAP), MetLife, Priority Health and United Healthcare. It prides itself on making customer service a priority.