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Come back often for all the latest insurance news updates.


When You’ve Been Burned Before, Choosing the Right Insurance Agent Matters Even More

Tyler, our Vice President here at Top O' Michigan, shares his experience about his recent renovation and parallel between contractors and insurance brokers: it's about WHO you choose for the job.

Demystifying Insurance: What We Wish Clients Knew

Samantha, one of our amazing Client Service Specialists, wrote this valuable blog.

How to Properly Value Your Builders Risk Coverage

How much builders' risk coverage do you really need?

The Claim Killer You Don’t See Coming

When it comes to insurance, timing is everything. Most people assume they can file a claim when it's convenient—but that’s not how insurance policies work. In fact, one of the most common reasons claims are denied is because they weren't reported quickly enough.

Why Is Insurance Policy Language So Confusing? It’s Time for a Change.

When was the last time you sat down and read through your insurance policy? If you did, how much of it made sense without a dictionary or legal training? For most people, insurance policy language feels overwhelming, filled with legal jargon, and loaded with fine print that makes you wonder, “Is this even designed for me to understand?”

Builders Risk vs. General Liability: What’s the Difference?

If you’re in construction or managing a build, there’s a good chance you’ve heard these two terms tossed around:

Avoid These 5 Common Builders Risk Mistakes | The Oversights That Could Derail Your Entire Construction Project

Builders risk insurance is designed to protect your project from the unexpected—but what if you buy the policy and still end up exposed? That happens more often than you’d think. Why? Because there are common mistakes builders, developers, and even experienced project managers make when purchasing coverage. Here’s the good news:

7 Essential Builders Risk Policy Add-Ons | Protect Your Construction Project

Top 7 Extras You Should Add to Your Builders Risk Policy Don’t Just “Check the Box”—Here’s How to Get Real Protection for Your Construction Project

What Is Builders Risk Insurance & Do I Really Need It?

Everything You Need to Know Before Starting Your Construction Project

Case Study: Insuring a Startup Dream — Launching a Hotel, Restaurant, and Event Venue Client Profile

Business Type: Hotel, restaurant, and national tournament venueSize: 101-room franchised hotel with 6,600 sq. ft. of event spaceScope: Food and alcohol service, banquet facility, and live entertainmentProjected Revenue: $2 million/yearExperience: Ownership team with 25+ years in hospitality and event operations

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Our Locations

Alpena
514 N Ripley Blvd
Alpena, MI 49707

 Local: (989) 356-6133

Hillman
150 State St
Hillman, MI 49746

Local: (989) 742-4574

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

Petoskey
1170 Bay View Rd, Ste B
Petoskey, MI 49770

Local: (231) 347-4610

Gaylord
440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664

Oscoda
PO Box 39
Oscoda, MI 48750-0039

Local: (989) 739-1461