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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 1 month 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 1 month, 1 week 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: 1 month, 3 weeks 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 2 months 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 ...

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

Posted: in Auto Insurance , Claims , Financial , Hotels , Insurance , Loss Control , Michigan , Workers Compensation 4 months, 1 week ago

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 ...

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

Posted: in Health Insurance 2 years, 8 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 ...

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

Posted: 2 years, 10 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 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 Much Liability Insurance Is Enough?

Posted: in Accident , Claims , Homeowners , Insurance 3 years, 2 months ago

How much liability insurance is enough? $1,000,000 is an awful lot of money, right? That certainly seems that most people would be comfortable with these limits but should they be? Since every individual and business is unique, it can be hard to conceptualize possible scenarios where a large liability loss would occur. 

What to do in the Event of a Claim

Posted: in Accident , Auto Insurance , Claims , Home , Homeowners , Insurance , Loss , Risk Management , Small Business , Workers Compensation 3 years, 3 months ago

Experiencing a loss to your property or worse yet, bodily injury or death is a very stressful time. It may be difficult to know what your next steps are after making sure everyone involved is okay or being treated by emergency responders. Here are a few tips to help guide you through a loss and claim process whether it is ...

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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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