risk
Posted:
in
Claims
,
Data Breach
,
Insurance
,
Small Business
3 years, 7 months
ago
According to the Federal Emergency Management Agency, 40 percent of businesses never reopen after a disaster. Implementing steps to prepare for and respond to disasters can help to reduce loss. In order to protect your business from unavoidable interruptions, it is recommended that you have a plan in place.
Tags:
- business interruption
,
- business income
,
- income
,
- disaster
,
- natural disaster
,
- closure
,
- closed
,
- risk
,
- insurance
,
- revenue
,
- business
,
- business owner
,
- michigan
,
- business insurance
,
- liability
,
- workers compensation
,
- work comp
,
- general liability
,
- property
,
- equipment
,
- contractors
,
- retail
,
- manufacturing
,
- office
,
- store
,
- service
Posted:
4 years, 7 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.
Tags:
- Contact
,
- covid19
,
- COVID
,
- coronavirus
,
- resources
,
- access
,
- insurance
,
- loss control
,
- claims
,
- risk
,
- michigan
Posted:
in
Auto Insurance
,
Claims
,
Financial
,
Health Insurance
,
Michigan
5 years, 5 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 ...
Tags:
- accident
,
- alpena
,
- ann arbor
,
- auto
,
- auto body
,
- auto insurance
,
- auto repair
,
- blog
,
- business insurance
,
- car
,
- claims
,
- client
,
- crash
,
- coverage
,
- detroit
,
- distracted driving
,
- financial
,
- Escanaba
,
- garage
,
- gas
,
- gas station
,
- gaylord
,
- Grayling
,
- great lakes
,
- health
,
- health insurance
,
- hillman
,
- help
,
- income
,
- individual
,
- insurance
,
- insurance quote
,
- insurance solution
,
- insurance sales
,
- iron river
,
- loss control
,
- loss
,
- liability
,
- marquette
,
- michigan insurance
,
- michigan auto
,
- michigan
,
- young drivers
,
- upper peninsula
,
- traverse city
,
- sault st marie
,
- senior citizens
,
- shop
,
- safety
,
- safe driving
,
- risk
,
- risk management
,
- ride sharing
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 ...
Tags:
- disability insurance
,
- disability
,
- alpena
,
- ann arbor
,
- application
,
- accident
,
- blog
,
- business
,
- children
,
- career
,
- Contact
,
- coverage
,
- Escanaba
,
- financial
,
- family
,
- gaylord
,
- grandparents
,
- friend
,
- Grayling
,
- great lakes
,
- homeowner
,
- hillman
,
- help
,
- health
,
- health insurance
,
- homeowners
,
- insurance
,
- individual
,
- income
,
- insurance quote
,
- insurance sales
,
- iron river
,
- life insurance
,
- liability
,
- Life
,
- insurance solution
,
- lansing
,
- Legal
,
- local
,
- locally sourced
,
- long term care
,
- medical
,
- marriage
,
- married
,
- marquette
,
- love
,
- medicare
,
- medicare advantage
,
- medicare supplement
,
- michigan
,
- mio
,
- northern michigan
,
- oscoda
,
- petoskey
,
- prevention
,
- protection
,
- quote
,
- quote request
,
- retirement
,
- risk management
,
- risk
,
- senior citizens
,
- savings
,
- sault st marie
,
- traverse city
,
- universal life
,
- upper peninsula
,
- workers compensation
,
- work comp
,
- whole life
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.
Tags:
- accident
,
- alpena
,
- auto
,
- auto insurance
,
- claims
,
- commercial
,
- community
,
- community service
,
- Contact
,
- coverage
,
- crash
,
- distracted driving
,
- family
,
- financial
,
- gaylord
,
- hillman
,
- home insurance
,
- Home
,
- homeowners
,
- homeowners insurance
,
- insurance
,
- insurance quote
,
- insurance solution
,
- iron river
,
- keystone
,
- keystone insurers
,
- liability
,
- michigan auto
,
- michigan
,
- love
,
- loss
,
- locally sourced
,
- national resources
,
- oscoda
,
- northern michigan
,
- quote
,
- property
,
- petoskey
,
- risk management
,
- risk
,
- safety
,
- safe driving
,
- solution
,
- upper peninsula
,
- traverse city
,
- college
,
- student
,
- away
,
- university
,
- community college
,
- children
,
- young drivers
Posted:
in
Accident
,
Claims
,
Home
,
Insurance
,
Loss
,
Small Business
5 years, 9 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 ...
Tags:
- accident
,
- auto
,
- auto insurance
,
- claims
,
- coverage
,
- crash
,
- liability
,
- loss
,
- michigan
,
- michigan auto
,
- insurance
,
- quote
,
- request
,
- risk
,
- safety
,
- savings
Posted:
in
Auto Insurance
,
Claims
,
Homeowners
,
Insurance
,
Renters Insurance
5 years, 9 months
ago
School is Back in Session!
School is back in session and many people have kids going off to college. That means a lot of changes can go on with your insurance policies, what coverage is extended and what insurance policies you can put in place to help protect your family.
Tags:
- accident
,
- insurance
,
- business
,
- claims
,
- entrepreneur
,
- small business
,
- safety
,
- risk
,
- loss
,
- michigan
,
- property
,
- liability
Posted:
in
Claims
,
Insurance
,
OSHA
,
Workers Compensation
5 years, 9 months
ago
Incentive programs, post-incident drug testing not prohibited under electronic recordkeeping rule – Clarification from OSHA
Nov. 7, 2018
