Top O' Michigan Insurance Solutions
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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 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 ...

New Summer Hours

Posted: 4 months, 2 weeks ago

New Summer Hours

With summer just around the corner, we’re updating our Friday office hours to better serve both you and our team.

Our new Friday hours are 8:00AM to 12:00PM, with limited coverage until 5:00PM for any urgent matters. This will take effect from 6/28/24 through 9/6/24.

As a third generation agency, family has always been extremely important to us and that includes our work family. Part of our Mission Statement reads that we will "give back to our employees..." This temporary schedule change will allow our team to spend more time with their families. This balance of both work and personal time will enable them to serve you with renewed energy.

With this change, our team will still be available to assist you with any urgent matters. Please call 800-686-8664, email us at clientservice@tomia247.com, chat with us online by visiting tomia247.com, or use your Client Connection portal and we will ensure your needs are met promptly.

If you have any questions regarding our summer schedule, please don’t hesitate to reach out.


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 Does the Increase in Cost of Construction Impact Your Insurance?

Posted: in Claims , Home , Homeowners , Loss , Risk Management 3 years, 4 months ago

By now, you are most likely well aware of the rising costs of construction materials. These rising costs have been noted but many individuals and business owners may not be fully considering its implications on insurance policies. According to an Associated Builders and Contactors analysis, lumber prices have risen by 73% since April of 2020. Lumber isn't the only construction material ...

How Can I Save Money on My Business Insurance?

Posted: in Small Business 4 years, 4 months ago

How can I save money on my business insurance? Let's face it, most people want value when purchasing something. Whether that is a safe and reliable vehicle at an affordable price, quality craftsmanship in remodeling your home (without breaking the bank) or your business insurance package - quality and price are important. 

Disability Insurance - How Much Do You Need?

Posted: in Accident , Disability Insurance , Financial , Health Insurance , Insurance , Life Insurance , Loss 5 years, 6 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 ...

The Home-Sharing Basics

Posted: in Claims , Home , Home Sharing , Homeowners , Insurance , Vacation 5 years, 9 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.  

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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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