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For more than 50 years, Michigan families and businesses have trusted us to protect what matters to them. Don't just take our word for it — here are real Google reviews from the neighbors and business owners we serve every day.
When Avery took over the Paul Bunyan Family Campground in Spruce, business insurance felt overwhelming. A local handshake made the difference — and with Tracy following up within the hour and tailored options ready the next day, it turned out easier than expected.
Tony's business runs on its people, its vehicles, and a lot of moving assets. He shares how working with our team saved money and caught coverage gaps he'd overlooked — and when he filed a claim, he calls the process smooth and seamless.
Between manufacturing, food safety, transportation, and digital and financial risk, Big Dipper Dough Co. has a lot of moving parts — more than a one-size-fits-all policy could cover. They work with our team to pin down their exposures and stay covered without overspending.
After a fire destroyed their business, this owner leaned on our team through the entire claim — from that first call to the settlement check. They recommend Top O' Michigan for commercial, residential, and industrial coverage alike.
AuSable River Outfitters carries a little of everything — clothing, firearms, kayaks — so Brian needed coverage that could keep up. He shares how our team helped line up the product and liability protection to match, and stuck with the shop as it grew.
A few words from the businesses and families we protect across Michigan.
After two years of unpredictable premiums, Top O' Michigan helped us restructure our hotel insurance. We got better coverage and almost a 20% savings, with more stable renewal pricing.
"I've been debating changing insurances for a while, as I haven't been happy with the service at my current provider. However, their prices couldn't be beat, so I just kept on the bench. After adding another vehicle to our policy, my premium almost doubled and I decided that was it. I spoke to Jasmine and let her know exactly what I was looking for. Additional coverages on the vehicles, updated information on the home... All basic general maintenance that was never requested from my current company. Jasmine looked at her available carriers, and between my two policies, cut my premiums in HALF while increasing my coverages (my home coverage hadn't been changed since inception in 2020). Even better -despite what must be a hectic daily schedule- she was able to provide this quote within the day, so I wasn't stewing forever. I signed papers that day and have already eagerly called my current provider to let them know I went somewhere that values my assets as much as I do, and seems much more proactive rather than reactive."
Call Top O' Michigan Insurance for the first time on Thursday afternoon (8/13) around 3 and by Friday morning had several competitive quotes for our single-family residence. After discussing several options and different policies with Jasmine, we made our decision and had our policy issued by noon on Monday (8/17). Working with Jasmine Mousseau was a great experience and seamless...Ray
We've been Top O' Michigan customers since 2002 and have rarely needed help with claims. Then the Great Ice Storm of 2025 hit us hard. Samantha, our agent, helped us navigate the process with Citizens Insurance to get us the most accurate claims reimbursement. She helped us find multi-policy discounts and negotiated the lowest rates for our coverage.
Misty is outstanding! She's proactive, responsive, and understands the unique risks of a charter fishing business — making sure I'm fully covered with the right policies at a fair price. Her follow-through gives me peace of mind on the water. Highly recommend!
Misty was amazing at helping me take over financial responsibility for my mother when she became too ill to do so herself. I live in another state, and by the time the mail was forwarded, policies had lapsed. She found a new policy to get immediate coverage. She was very compassionate and helpful during difficult times, and even sent me reminder emails. Highly recommended company, even if you live over 400 miles away!
Colleen has always been quickly responsive and helpful in maintaining our coverages and adjusting our policies as needed. Great company and great customer service. She has taken the time to understand our needs and to advise us on our insurances. Top notch!
I've worked with Misty Livermore at Top O' Michigan for the past 3 years to provide insurance for my business and vehicles. I've been given informative, helpful, and cost-effective advice every step of the way, as well as very fast service whenever needed. I would highly recommend Top O' Michigan Insurance to anyone.
Everything about your agency is right! You don't claim to be the biggest or excessively advertise, which means a lot to a small business owner like me. Always there when there is a hiccup, or to point out savings that can be had. Thank you!
I was recently persuaded to switch providers for my car insurance, and randomly decided to stop in at Top O' Michigan. 110% positive that it was the correct choice. The rep was outstanding and helpful, and I felt very confident making decisions about my policy after they broke down each question and made sure I understood everything. Amazing customer service.
Top O' Michigan has helped me for 18 years through 4 residences, and I am very grateful for your service. Thank you!
Tracy alerted us when we overlooked our renewal date, saving us a lot of trouble. Always great to deal with — if I have questions, she has the answers.
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Get a quote from a local Michigan agent, or give us a call — we'd love to help.