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

Posted: 1 week, 2 days ago

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?

How to Choose the Right Insurance Agent for Your Business: Your Guide to the Right Partnership

Posted: in Commercial Insurance , Insurance , Risk Management , Small Business 2 weeks, 2 days ago

How to Choose the Right Insurance Agent for Your Business: A Guide for Michigan Business Owners In the world of business insurance, your agent is more than just someone who provides policies – they’re a key partner in safeguarding your business and setting it up for long-term success. So, how do you find the right one? Let’s explore the qualities ...

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

Posted: in Claims , Commercial Insurance , Construction , Insurance , Loss Control , Operations , Risk Management , Small Business 2 months, 1 week ago

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.

How Business Owners Can Tackle the Top 4 Insurance Challenges

Posted: 3 months ago

It seems just about every new business owner that we've worked with is in a bind with the 1 (or more) of the same 4 problems. In today's turbulent business environment, insurance has become a major pain point for many companies. As someone deeply entrenched in the industry, I've noticed a recurring pattern of challenges that seem to plague business ...

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

Posted: in Commercial Insurance , Disability Insurance, Financial, Medical, Health , Health Insurance , Insurance , Operations , Risk Management , Small Business 3 months, 1 week ago

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

Posted: in Hotels , Insurance , Loss Control , Michigan , Risk Management , Small Business , Workers Compensation 3 months, 2 weeks ago

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 ...

New Summer Hours

Posted: 5 months, 3 weeks ago

New Summer Hours

With summer just around the corner, we’re updating our Friday office hours to better serve both you and our team.

Our new Friday hours are 8:00AM to 12:00PM, with limited coverage until 5:00PM for any urgent matters. This will take effect from 6/28/24 through 9/6/24.

As a third generation agency, family has always been extremely important to us and that includes our work family. Part of our Mission Statement reads that we will "give back to our employees..." This temporary schedule change will allow our team to spend more time with their families. This balance of both work and personal time will enable them to serve you with renewed energy.

With this change, our team will still be available to assist you with any urgent matters. Please call 800-686-8664, email us at clientservice@tomia247.com, chat with us online by visiting tomia247.com, or use your Client Connection portal and we will ensure your needs are met promptly.

If you have any questions regarding our summer schedule, please don’t hesitate to reach out.


What Businesses Need to Know About the Insurance Market Outlook for 2022

Posted: 2 years, 11 months ago

The last few years have been a challenge for many businesses due to a number of reasons (some more obvious than others). Some of these factors have also had a negative effect on the insurance industry after years of relative stability, which has accelerated a hardening insurance marketplace. This means that many segments of the insurance industry are becoming less ...

5 Strategies for Reducing Health Benefits Costs in 2022

Posted: 3 years, 1 month ago

For the past two decades, health costs have increased each year. This happens for a variety of reasons, such as inflation or, say, a global pandemic. With that in mind, employers can bank on prices going up in 2022.

How Does the Increase in Cost of Construction Impact Your Insurance?

Posted: in Claims , Home , Homeowners , Loss , Risk Management 3 years, 5 months ago

By now, you are most likely well aware of the rising costs of construction materials. These rising costs have been noted but many individuals and business owners may not be fully considering its implications on insurance policies. According to an Associated Builders and Contactors analysis, lumber prices have risen by 73% since April of 2020. Lumber isn't the only construction material ...

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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

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