Top O' Michigan Insurance Solutions


Keystone Honors Top O’ Michigan Insurance as MI State Partner of the Year


NORTHUMBERLAND, Pa. (Oct. 2, 2019) – Keystone Insurers Group (Keystone) awarded Top O’ Michigan Insurance (Top O’ Michigan) of Alpena, Michigan as State Partner of the Year on Sept. 17 at Keystone’s national conference in Reston, Virginia.   


The award recognizes the agency within each of its states that best exemplifies Keystone’s mission: “Independence works better together.” Criteria includes demonstrating a commitment to growth through leadership mentoring, engaging in technology advancements, employing best practices to improve operations, and developing new income streams to strengthen their business diversity. 


Top O’ Michigan was one of 11 state winners nominated for the honor. The other ten ‘State Partners of the Year’ included:


Agency Vice President, Tyler Bartosh explained the changes the agency has experienced since joining Keystone.

 “To be honest, the best resource within Keystone is the group as a whole.  We are able to sit around the table with other Michigan partners, and the room is filled with an immense amount of intellectual power.”


About Top O’ Michigan Insurance (Top O’ Michigan) – On February 1, 1974, a group of insurance agents from Northern Michigan formed Top O’ Michigan Insurance. As an independent insurance agency, their goal is to help clients manage and plan for all potential risks and to exceed their expectations. For more, visit


About Keystone Insurers Group (Keystone) -- Keystone started in 1983 when four independent insurance agencies teamed up to pool their experience and expertise. This small group believed that agencies could be stronger and more successful if they linked arms -- a passion and spirit that continues. Growing to almost 300 independent agency partners in 13 states, Keystone provides its agents with a community of like-minded agencies, industry expertise and access to specialized products for their clients. Keystone is ranked number three on Insurance Journal's 2019 list of Top 20 Property/Casualty Agency Partnerships. For more information, go to


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“When we first joined Keystone, the phrase “drinking water from a fire hose” was commonly used.  This is why prioritizing your needs as an agency is so important.  To be honest, the best resource within Keystone is the group as a whole.  We are able to sit around a table with other Michigan partners and the room is filled with an immense amount of intellectual power.  Keystone partners are unique and we’re able to share our trade secrets with one another because of the trust we’ve built in a short time.  In addition to our partners, we have various departments that not only our leadership team can rely on but our team can reach out to.  We have found that there is not a single type of account that our team shouldn’t feel comfortable working with.  The ability to game plan with great insurance minds that can help navigate through a challenging life case, learn how to provide a new level of group benefits, improve sales strategies and more.

Our number one piece of advice for other partners is to always be open to new ideas and change. Within our agency, we have developed tools and workflows that work really well and are very helpful in guiding our team.  However, there is always room to improve and build upon these ideas.  Our fellow Keystone partners also have so much to share which allows us as a group to test new ideas and constantly change to improve upon these workflows.  Our leadership team has to remain open to change so we can continue to build upon Keystone offerings and grow our agency.” - Tyler Bartosh, Vice President - Sales

From left: Neal Williams (Keystone Regional Vice President), Tyler Bartosh (Vice President - Sales), Brian Bartosh (President), and David Boedker (Keystone CEO) 


Our Locations

514 N Ripley Blvd
Alpena, MI 49707

(989) 356-6133

150 State St
Hillman, MI 49746

Local: (989) 742-4574

117 S State St
Oscoda, MI 48750

Local: (989) 739-1461

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

607 S Morenci Ave
Mio, MI 48647

Local: (989) 826-3989

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

322 Bay St, Ste 1
Petoskey, MI 49770-4401

Local: (231) 347-4610

440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664