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COVID-19 Updates and Agency Accessibility

Posted: 4 years, 8 months ago

Coronavirus Updates - Office Closures and Accessibility COVID-19 is presenting historic challenges for all citizens of the world and we are here ready to help.  While executive actions have been taken to reduce the spread of the virus, we understand that this has directly impacted the individuals and businesses who have placed their trust in Top O' Michigan. 

The Rough Notes Company - Agency of the Month

Posted: 5 years, 2 months ago

Agency of the Month LOOKING FOR NEW BUSINESS Northern Michigan agency turns its sights southward By Jenny Berner

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 ...

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 ...

Prevent Damage from Weight of Ice & Snow and Ice Dams

Posted: in Claims , Home , Homeowners , Insurance , Loss , Loss Control , Michigan 5 years, 9 months ago

Prevention Tips There are several things you can do to prevent damage from the weight of ice and snow. Here are the top 3:

What to do After You've Been in an Accident

Posted: in Accident , Insurance 5 years, 10 months ago

You Have Just Been In An Accident...Now What? The light turns red, and at first glance, vehicles have stopped.  It is your turn to clear the intersection making a left turn.....screeeeeech!  The metal of the vehicle moaned and a brief moment of silence ensued.  Steam rose from the hood and the oily smell of smoke hung in the air as you ...

The Home-Sharing Basics

Posted: in Claims , Home , Home Sharing , Homeowners , Insurance , Vacation 5 years, 10 months ago

What You Should Know Before Home-Sharing? By now, you have probably heard of the popularity in ride-sharing (Uber, Lyft) and home-sharing (Airbnb).   Maybe you have even considered joining one of these home-sharing websites to earn some extra money.  However, there are a number of risks that homeowners should be aware of before entering into any of these activities.  

Who's the Boss After a Loss?

Posted: in Accident , Claims , Home , Insurance , Loss , Small Business 5 years, 10 months ago

Your Duties After a Loss As insurance professionals, we're in the business to pay claims.  After all, that is why individuals, families and business owners invest money each year - to manage the risks that face them.  An insurance policy is called a "conditional contract".  This means that if the insured does X , the insurer will do Y (protect ...

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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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