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Homeowner's Insurance

Protect your home and everything in it with our comprehensive home insurance plans.

Auto Insurance

Stay safe on the road with reliable auto insurance coverage tailored to your needs.

Employee Benefits

Group Medical, Disability, Life Insurance and more!

Report A Claim

If a loss occurs, please follow the steps highlighted in this guide.

Michigan Insurance Agency News

From Overpaying to Savings: How We Transformed a Client's Insurance Program

Backstory

Social Inflation: What "Record Settlements" Mean for Your Insurance Rates

If you've driven any stretch of highway recently, you've likely noticed the countless billboards advertising the "largest personal injury attorneys" or touting "record settlements." These flashy signs beg the question: how are these settlements possible on such a massive scale, and what does this mean for the insurance industry—and you?

Testimonials

Affordable rates for surety bonds including Bid, Performance and Payment Bonds, Contract Bonds, and more!

Surety Bonds

Customer service is what brought us back to TOMIA and that's what keeps us!

Bradley M. - Customer since 2001

My agent Nicole Kaiser always takes very good care of my insurance needs by following through with my questions and calling me back in a timely manner. Great customer service and she is an A+ in my book! I’m a very satisfied with Top O' Michigan!

Julie H. - Customer since 2001