Top O' Michigan Insurance Solutions
    

Insurance


The Ultimate Insurance Agent Vetting Checklist: What to Ask Your Agent

Choosing the right insurance broker can feel daunting, but it doesn't have to be. If you're unsure what to ask when vetting potential agents, you're not alone. This guide will walk you through key questions you should consider to ensure you're getting the best service for your unique needs.

Who Are The Best Insurance Agencies in Traverse City, Michigan

Each year, our Top O’ Michigan team works with thousands of individuals and businesses throughout Michigan with respect to their insurance coverage. We are often asked who some of the other insurance agencies are in the area.

Contractor's Bonding Playbook: Strategies to Win Bigger Projects

As a contractor, securing bonds for large projects can be a significant challenge, especially for younger companies. Recently, we encountered a situation where a client needed a $1.5 million bond but was declined by standard surety underwriters due to their financial position. Ultimately, we were able to secure the Bid Bond with a path to their Performance/Payment Bond should they ...

Lessons from Costco: How Top O' Michigan Delivers Value in Insurance

In the world of retail, Costco stands out as a beacon of success, known for its unique business model that prioritizes customer value and loyalty. As an independent insurance agency, Top O' Michigan Insurance Solutions shares many of Costco's winning strategies (even down to the hot dogs).  Now, I'm not claiming to be Costco but let's explore how we apply ...

Hotel Insurance Crisis: Ways Hoteliers Can Secure Coverage When Insurers Are Saying No

Facing rejection from insurers? Discover how savvy hoteliers are finding coverage in a market where "uninsurable" is becoming the norm.  In today's volatile market, many hoteliers are facing a nightmare scenario: insurance companies are increasingly reluctant to provide coverage, leaving properties vulnerable and owners scrambling. If you're hearing "no" more often than "yes" from insurers, you're not alone. Here's how ...

Here's Why the CrowdStrike Outage is a Wake-Up Call for Business Owners to Reconsider Cyber Liability

The CrowdStrike Outage: A Wake-Up Call for Cyber Liability Insurance

The Truth About Hotel Insurance in 2024: A Hotelier's Guide

Wondering why your insurance costs keep climbing? Learn the real reasons behind the price hikes and discover actionable steps to mitigate risks and control costs. The Perfect Storm: Why are insurance costs rising for hotels? The hotel insurance market is in crisis. Costs are skyrocketing, coverage is scarce, and hoteliers are struggling to stay afloat. This perfect storm of challenges ...

Clarifying the MCCA Deficit Recoupment Fee: Understanding the increase on Michigan Auto Policies

Auto insurance can be complex, especially for Michigan residents. With changing laws, various coverage options, and annual assessment fees like the MCCA deficit recoupment fee, understanding the factors influencing auto insurance costs is essential. In this blog post, we will simplify the concept of the deficit recoupment fee and explain how it affects Michigan drivers' auto insurance expenses. We will ...

Does Your Policy Need a Back to School Checkup?

While many back-to-school checklists exist, most fail to mention the importance of checking in with your insurance agent. Whether your scholar is attending a big name Ivy League school, or the local community college this fall, you will want to address this life milestone with your agent before it’s too late. Read on for some tips on tying up any ...

Waiver of Subrogation: What is it?

When you’re shopping around for commercial insurance, you’ll likely come across the term waiver of subrogation or subrogation waiver as part of your contract terms. Read ahead to find out what this is, and if you should consider the additional coverage.

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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