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Flood Insurance

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

Quick turnaround for your surety bond needs!

Employee Benefits

Group Medical, Disability, Life Insurance and more!

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Michigan Insurance Agency News

Waiver of Subrogation: What is it?

When you’re shopping around for commercial insurance, you’ll likely come across the term waiver of subrogation or subrogation waiver as part of your contract terms. Read ahead to find out what this is, and if you should consider the additional coverage.

April is Distracted Driving Awareness Month!

The National Safety Council recognizes April as Distracted Driving Awareness Month. This event is intended to raise awareness about the dangers of distracted driving and encourage motorists like you to minimize potential distractions behind the wheel.

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