Blog
Come back often for all the latest insurance news updates.
Posted:
in
Commercial Insurance
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Construction
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Contractors
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Insurance
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Loss Control
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Michigan
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Renters Insurance
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Risk Management
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Surety Bonds
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Workers Compensation
10 months, 3 weeks
ago
As a contractor, securing bonds for large projects can be a significant challenge, especially for younger companies. Recently, we encountered a situation where a client needed a $1.5 million bond but was declined by standard surety underwriters due to their financial position. Ultimately, we were able to secure the Bid Bond with a path to their Performance/Payment Bond should they ...
Posted:
10 months, 3 weeks
ago
We've Updated Our Email Address!
To better serve you, Top O' Michigan Insurance and Spire Insurance Solutions have streamlined our communication. Please make sure to add "The Spire Team" to your safe sender list to continue receiving important updates and personalized service. Rest assured, Top O' Michigan remains a family-owned agency, and we're here to answer any questions you may have.
If you have any further questions, feel free to use our live chat feature during business hours, or reach out to our new email at Service@TheSpireTeam.com
Posted:
10 months, 4 weeks
ago
It seems just about every new business owner that we've worked with is in a bind with the 1 (or more) of the same 4 problems.
In today's turbulent business environment, insurance has become a major pain point for many companies. As someone deeply entrenched in the industry, I've noticed a recurring pattern of challenges that seem to plague business ...
Tags:
- insurance
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- business
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- business owner
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- customer service
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- Best Insurance
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- insurance for business
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- general liability
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- workers compensation
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- claims
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- service
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- client
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- michigan
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- traverse city
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- alpena
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- petoskey
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- gaylord
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- marquette
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- Grayling
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- contractor
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- construction
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- manufacturing
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- retail
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- store
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- brewery
Posted:
in
Commercial Insurance
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Disability Insurance, Financial, Medical, Health
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Health Insurance
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Insurance
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Operations
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Risk Management
,
Small Business
11 months, 1 week
ago
In the world of retail, Costco stands out as a beacon of success, known for its unique business model that prioritizes customer value and loyalty. As an independent insurance agency, Top O' Michigan Insurance Solutions shares many of Costco's winning strategies (even down to the hot dogs). Now, I'm not claiming to be Costco but let's explore how we apply ...
Tags:
- insurance
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- costco
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- community
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- michigan
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- traverse city
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- alpena
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- gaylord
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- petoskey
,
- marquette
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- Grayling
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- oscoda
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- Escanaba
,
- local
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- client service
,
- retention
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- business
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- personal insurance
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- health insurance
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- group benefits
Posted:
in
Hotels
,
Insurance
,
Loss Control
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Michigan
,
Risk Management
,
Small Business
,
Workers Compensation
11 months, 1 week
ago
Facing rejection from insurers? Discover how savvy hoteliers are finding coverage in a market where "uninsurable" is becoming the norm.
In today's volatile market, many hoteliers are facing a nightmare scenario: insurance companies are increasingly reluctant to provide coverage, leaving properties vulnerable and owners scrambling. If you're hearing "no" more often than "yes" from insurers, you're not alone. Here's how ...
Tags:
- hotel
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- insurance
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- business
,
- hotels
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- Motels
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- hospitality
,
- checklist
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- insurability
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- crisis
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- business owners
,
- cheap insurance
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- best hotel insurance
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- best motel insurance
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- traverse city
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- gaylord
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- alpena
,
- petoskey
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- grand rapids
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- lansing
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- detroit
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- tawas
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- west branch
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- mackinaw city
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- Mackinac
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- marquette
Posted:
11 months, 2 weeks
ago
The Critical Importance of Buy/Sell Agreements for Business Owners: Lessons from a Landmark Supreme Court Ruling
As we observe Life Insurance Awareness Month this September, it's crucial to highlight the significance of Buy/Sell Agreements funded with life insurance for business owners. Before we delve into a recent Supreme Court ruling that has brought renewed attention to this topic, let's explore ...
Tags:
- insurance
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- business
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- small business
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- entrepreneur
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- life insurance
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- government
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- buysell
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- agreement
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- supreme court
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- planning
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- professional review
Posted:
in
Claims
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Cyber Liability
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Data Breach
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Financial
,
Insurance
,
Loss Control
1 year
ago
The CrowdStrike Outage: A Wake-Up Call for Cyber Liability Insurance
Tags:
- CrowdStrike
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- cyber
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- insurance
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- Global
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- data
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- cyber liability
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- Security
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- Technology
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- business
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- Loss of Income
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- Services
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- cybersecurity
Posted:
in
Auto Insurance
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Claims
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Financial
,
Hotels
,
Insurance
,
Loss Control
,
Michigan
,
Workers Compensation
1 year, 1 month
ago
Wondering why your insurance costs keep climbing? Learn the real reasons behind the price hikes and discover actionable steps to mitigate risks and control costs.
The Perfect Storm: Why are insurance costs rising for hotels?
The hotel insurance market is in crisis. Costs are skyrocketing, coverage is scarce, and hoteliers are struggling to stay afloat. This perfect storm of challenges ...
Tags:
- hospitality
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- michigan
,
- hotels
,
- insurance
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- Price
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- Increase
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- claims
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- Motels
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- resorts
,
- disaster
,
- loss
,
- liability
,
- hotelier
,
- coverage
,
- affordable insurance
,
- challenges
,
- success
Posted:
1 year, 1 month
ago
New Summer Hours
With summer just around the corner, we’re updating our Friday office hours to better serve both you and our team.
Our new Friday hours are 8:00AM to 12:00PM, with limited coverage until 5:00PM for any urgent matters. This will take effect from 6/28/24 through 9/6/24.
As a third generation agency, family has always been extremely important to us and that includes our work family. Part of our Mission Statement reads that we will "give back to our employees..." This temporary schedule change will allow our team to spend more time with their families. This balance of both work and personal time will enable them to serve you with renewed energy.
With this change, our team will still be available to assist you with any urgent matters. Please call 800-686-8664, email us at clientservice@tomia247.com, chat with us online by visiting tomia247.com, or use your Client Connection portal and we will ensure your needs are met promptly.
If you have any questions regarding our summer schedule, please don’t hesitate to reach out.
Tags:
- office
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- hours
,
- open
,
- schedule
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- local
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- alpena
,
- traverse city
,
- petoskey
,
- gaylord
,
- hillman
,
- oscoda
,
- family
,
- work
,
- service
,
- clients
,
- summer
Posted:
in
Auto Insurance
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Financial
,
Insurance
,
Michigan
,
Small Business
2 years
ago
Auto insurance can be complex, especially for Michigan residents. With changing laws, various coverage options, and annual assessment fees like the MCCA deficit recoupment fee, understanding the factors influencing auto insurance costs is essential. In this blog post, we will simplify the concept of the deficit recoupment fee and explain how it affects Michigan drivers' auto insurance expenses. We will ...
