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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?

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 ...

4 Tips for Winter Roof Maintenance

Posted: in Claims , Home , Homeowners , Insurance , Risk Management 3 years, 11 months ago

The Michigan winters can bring a lot of rain, sleet, ice, wind, and of course snow. Depending on what side of the discussion you are on, the extra snow can bring heaps of fun or added work. Keeping your roof in good shape is truly a year-round job but it is especially important that you focus on solid roof maintenance ...

8 Life Events that Affect Your Insurance Needs

Posted: in Claims , Homeowners , Insurance , Life Insurance , Loss Control , Michigan , Risk Management 5 years, 5 months ago

Think about your most recent favorite show to binge watch. The characters continue to develop and deal with a lot of uncertain changes through each season. Unlike these characters, our lives are not scripted and that means there is a lot more unknown in life that we need to prepare for. As we age and reach different milestones in our ...

Auto Insurance Reform Bill Passed

Posted: in Auto Insurance , Claims , Financial , Health Insurance , Michigan 5 years, 6 months ago

Michigan Lawmakers Pass Auto Insurance Reform Bill After more than four decades under the current no-fault system, Michigan is about to see major reform for the first time since the No-Fault Automobile Insurance Law took effect in 1973.  Last week, Governor Whitmer signed a bill into law that contains a number of sweeping changes to the No Fault Act. While ...

Disability Insurance - How Much Do You Need?

Posted: in Accident , Disability Insurance , Financial , Health Insurance , Insurance , Life Insurance , Loss 5 years, 7 months ago

How Much Disability Insurance Do You Need? May is Disability Insurance Awareness Month which means this is a great time to begin the conversation of how you can protect your ability to earn an income.  One third of workers are concerned about becoming sick or disabled and not being able to work - yet only 20% have disability insurance. 2018 Insurance ...

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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

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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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