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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 ...

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.

5 Strategies for Reducing Health Benefits Costs in 2021

Posted: 4 years, 3 months ago

Health benefits costs are almost certainly going to rise in 2021. They’ve been trending upward for years—over 50% in the last decade, according to the Kaiser Family Foundation—and the current state of economic uncertainty over COVID-19 won’t slow things down. Realistically, after enduring months of business closures and managing exhausted workforces, many employers will be lucky to maintain uninterrupted operations.

Navigating Michigan No-Fault Reform

Posted: in Accident , Auto Insurance , Claims , Health Insurance , Insurance , Michigan , Risk Management 5 years, 4 months ago

How will the new changes to Michigan's auto insurance affect policy holders? As you may be aware, the new legislation passed earlier this year included a number of changes to our auto insurance in Michigan.  We are continuing to actively work on getting more clarification on these changes as they develop with lawmakers and insurers.  As information is gathered and ...

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

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Hillman, MI 49746

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3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

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Iron River, MI 49935

Local: (906) 265-5137

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1170 Bay View Rd, Ste B
Petoskey, MI 49770

Local: (231) 347-4610

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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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