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The Costliest Shortcut: How One Builder Lost Coverage by “Doing the Right Thing”

The Compliance Steps Every Contractor Must Follow to Protect Insurance Coverage The recent lawsuit filed by Scottsdale Insurance against Matarozzi Pelsinger Builders is a wake‑up call for contractors everywhere. The case centers on a familiar instinct — a builder discovers a defect, wants to keep the homeowner happy, and jumps straight into repairs. But that simple decision triggered a major ...

How Much Does Contractors Insurance Cost in Michigan?

Best Contractors Insurance in Michigan: Real Costs, Real Coverage, No “Call for a Quote” Games If you’re a Michigan contractor trying to figure out what insurance actually costs, you’ve probably run into the same problem over and over again.

Expanding While Staying Open? Read This Before Construction Starts

Before Your Renovations or New Construction in Northern Michigan: Builders Risk & Insurance Mistakes to Avoid Across Northern Michigan—whether you’re a contractor, manufacturer, healthcare organization, municipality, or growing family-owned business—expansion usually means one thing:

Who Are The Best Insurance Agencies in Traverse City, Michigan

Who Are the Best Insurance Agencies in Northern Michigan? (2025 Reviews, Ratings, and How to Choose the Right One)

3 Reasons to Review Your Life Insurance Before the New Year

Peace of mind is the best gift you can give.

Mid-November Already? Get Travel Insurance to Ensure Peace of Mind for the Holiday Season

Traveling Soon? Here’s Why Travel Insurance Is Worth Having If you're heading out of town this month (or escaping north-Michigan winter before it arrives full-force), now is the perfect time to consider travel insurance. Here’s why it matters:

Scary Gaps in Your Business Coverage That Every Business Owner Should Know

It’s October, which means pumpkins, costumes, and maybe a few friendly scares. But for business owners, the scariest surprises aren’t haunted houses or things that go bump in the night… they’re coverage gaps that show up when you least expect them.

Why Waiting on Builder’s Risk Insurance Could Derail Your Project (And How to Avoid It)

Builder’s Risk Insurance: Why Timing Matters & Key Coverage Enhancements You Shouldn’t Miss

Life Insurance 101: Protecting What Matters Most

Life moves quickly. One day you’re planning for the future, and the next you’re navigating unexpected challenges. While we can’t always predict what’s ahead, we can prepare for it. That’s where life insurance comes in.

When You’ve Been Burned Before, Choosing the Right Insurance Agent Matters Even More

Tyler, our Vice President here at Top O' Michigan, shares his experience about his recent renovation and parallel between contractors and insurance brokers: it's about WHO you choose for the job.

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Our Locations

Alpena
514 N Ripley Blvd
Alpena, MI 49707

 Local: (989) 356-6133

Hillman
150 State St
Hillman, MI 49746

Local: (989) 742-4574

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

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

Local: (906) 265-5137

Petoskey
1170 Bay View Rd, Ste B
Petoskey, MI 49770

Local: (231) 347-4610

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

Local: (989) 705-8664

Oscoda
PO Box 39
Oscoda, MI 48750-0039

Local: (989) 739-1461