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Thomas R. TerMaat

1700 East Beltline, N.E.
Suite 200
Grand Rapids, MI 49525-7044
T 616.726.2251
F 616.726.2299


Tom TerMaat brings nearly 25 years of private practice experience to his clients' benefit. He practices in the areas of commercial litigation, real estate litigation, general civil litigation, insurance defense, transportation and trucking law, and premises liability.

Realizing commercial disputes are a common and often mismanaged cost of doing business, Tom is aggressive in seeking ways to provide a vigorous and efficient resolution to a dispute. Tom is skilled in effective representation of clients in settlement meetings, arbitration and mediation proceedings as well as in the courtroom. The types of matters he handles for clients include: enforcement of real estate purchase agreements; construction lien litigation; business to business contract disputes; defense of trucking and transportation companies; insurance coverage analysis and litigation; and defense of premises liability claims.

Additionally, Tom is recognized as one of the leading experts in Michigan No-Fault Automobile Insurance Law. He has delivered dozens of educational programs on No-Fault Insurance to clients and insurance company claim adjusters over the years. Tom has also distributed numerous legal alerts on the topic and annually updates and publishes his manual, Michigan No-Fault Insurance Outline, First Party Claims. He was selected by his peers for inclusion in The Best Lawyers® in America making him a leading insurance specialist in Grand Rapids.

Committed to the West Michigan community, Tom has been active in a wide range of local legal, community and political organizations since starting his career.

Honors & Recognitions

AV® Preeminent™ Martindale-Hubbell

Best Lawyers in America® 2010-2020 (Insurance Law)

Special Assistant Attorney General, Michigan, 2011-2015

"Top Lawyer", Grand Rapids Magazine, 2019 in Insurance Law

“Most Important Opinions of the Year”, Michigan Lawyers Weekly, 2012 (Insurance), 1999 (No-Fault)

"Best in the West; West Michigan's Best Lawyers", Grand Rapids Magazine, 2010 (Insurance Law)

Martindale-Hubbell Bar Register of Preeminent Lawyers (Civil Trial Practice, Insurance Defense, Transportation Law, and General Practice)

National Order of Barristers Honors Society

Indiana University National Trial Competition Team (Captain)

American Jurisprudence Award (Trial Process)


Memberships & Affiliations

Legal Affiliations:
  • State Bar of Michigan
  • Grand Rapids Bar Association
  • Michigan State Bar Foundation, Fellow, 2014-Present
  • State Bar of Michigan Representative Assembly, 2010-2016
  • Certified Case Evaluator, 17th Circuit Court, Kent County, Michigan, 2009-Present
  • American Inns of Court, Gerald R. Ford Chapter, 1998-2001 
  • Hillman Trial Advocacy Program, 1997-1998
Community Involvement:
  • Kent County Officers Compensation Commission, 2011-Present  
  • Deacon (Vice Chair), Central Reformed Church, 2014-2017
  • Personnel Committee, Chair, Central Reformed Church, 2014-2017
  • Executive Committee, Central Reformed Church, 2015-2017
  • GAP PAC (Political action committee of young executives, professionals, and small business owners); Founder and Vice President, 2002-2015
  • John Ball Zoo Advisory Board, 2002-2007
  • "Friends of West Michigan Business" (Grand Rapids Area Chamber of Commerce PAC); Steering Committee, 2002-2006
  • The Other Way Ministries (booster and pro bono legal services) 
  • Kent County Republican Executive Committee, 2000-2004 and 2009-2011
  • Westown Jubilee Housing (booster and pro bono legal services)
  • Third Congressional District Executive Committee, 2000-2004



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News & Events

Speaking Engagements

  • Premises Liability and Application of the Open and Obvious Doctrine, client leadership academy, March 2017
  • Premises Liability and Application of the Open and Obvious Doctrine, client leadership academy, October 2016
  • Premises Liability and Application of the Open and Obvious Doctrine, client leadership academy, July 2015
  • Ethics and the Insurance Industry, CPCU Society - Western Michigan Chapter, March 17, 2015
  • Premises Liability and Application of the Open and Obvious Doctrine, client leadership academy, February 2015
  • Recent Motorcycle Decisions, Insurance Institute of Michigan, September 16, 2013

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Indiana University - Bloomington School of Law, J.D., 1994

Hope College, B.A., cum laude, 1990

Bar and Court Admissions


U.S. Supreme Court

U.S. District Court for the Western District of Michigan

U.S. District Court for the Northern District of Indiana

U.S. Sixth Circuit Court of Appeals