Top O' Michigan Insurance Solutions
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Homeowner's Insurance
Homeowner's Insurance

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

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

Group Medical, Disability, Life Insurance and more!
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If a loss occurs, please follow the steps highlighted in this guide.

  

Michigan Insurance Agency News


Scary Gaps in Your Business Coverage That Every Business Owner Should Know

Scary Gaps in Your Business Coverage That Every Business Owner Should Know

It’s October, which means pumpkins, costumes, and maybe a few friendly scares. But for business owners, the scariest surprises aren’t haunted houses or things that go bump in the night… they’re coverage gaps that show up when you least expect them.

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Why Waiting on Builder’s Risk Insurance Could Derail Your Project (And How to Avoid It)

Why Waiting on Builder’s Risk Insurance Could Derail Your Project (And How to Avoid It)

Builder’s Risk Insurance: Why Timing Matters & Key Coverage Enhancements You Shouldn’t Miss

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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

Our Companies

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

Call: (800) 686-8664 Fax: (888) 686-8664
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