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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.

Who Are The Best Insurance Agencies in Traverse City, Michigan

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

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.

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 ...

Your Buy/Sell Agreement Could Be a Ticking Time Bomb...A Cautionary Tale

Posted: 3 months, 2 weeks ago

The Critical Importance of Buy/Sell Agreements for Business Owners: Lessons from a Landmark Supreme Court Ruling As we observe Life Insurance Awareness Month this September, it's crucial to highlight the significance of Buy/Sell Agreements funded with life insurance for business owners. Before we delve into a recent Supreme Court ruling that has brought renewed attention to this topic, let's explore ...

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

Posted: in Claims , Cyber Liability , Data Breach , Financial , Insurance , Loss Control 5 months ago

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

What You Need to Know About the Slippery Scenarios of Water Damage and Your Insurance

Posted: in Health Insurance 2 years, 9 months ago

Water damage is one of the most common causes of insurance claims for homeowners and businesses. At the surface, water is water...right? Unfortunately, burst pipes, backed up drains, flooded basements or a leaking roof will lead one to discover the details of their insurance policy - finding that all water damage is not the same according to the insurance policy ...

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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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