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Flood Insurance

Protect your property from water damage not covered by your homeowners insurance.

Auto Services Pollution Liability

Protect your auto services business from pollution starting at $400 per location!

Michigan No-Fault Auto Reform

What Michigan drivers need to know about the changes to auto insurance.

Protect Your Business and Customers

Michigan Insurance Agency News

How Much Liability Insurance Is Enough?

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

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 to property, auto, employees (Workers Compensation) or a liability claim.

Testimonials

Customer service is what brought us back to TOMIA and that's what keeps us!

Bradley M. - Customer since 2001

My agent Nicole Kaiser always takes very good care of my insurance needs by following through with my questions and calling me back in a timely manner. Great customer service and she is an A+ in my book! I’m a very satisfied with Top O' Michigan!

Julie H. - Customer since 2001

You stood by me during my big claim a few years ago. I am a forever loyal customer.

Amy E. - Customer since 2000