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Come back often for all the latest insurance news updates.


We Look Forward to Serving You Better!

The Time is Finally Here!

We've been long awaiting this opportunity to upgrade our agency's operating system to a more robust, efficient program that will help us bring you better service. We won't bore you with all of the details, but wanted to inform you that this will be taking place from today, until 12/19/22. Some exciting new features you can look forward to include:

  • A new and improved mobile app for all of your policy management needs including policy changes, document requests, and simple claim filing.
  • The ability to schedule appointments online and meet with your account managers virtually.
  • More educational material to help you, your family, and your business stay protected. 
  • Quicker service for you as a result of our increased efficiency with processing requests.

Please note that during this transition, all of our staff will be undergoing training so that we can hit the ground running without interruption to your insurance needs. As always, we can be reached at 800-686-8664 or by email to ClientService@TOMIA247.com

Does Your Policy Need a Back to School Checkup?

While many back-to-school checklists exist, most fail to mention the importance of checking in with your insurance agent. Whether your scholar is attending a big name Ivy League school, or the local community college this fall, you will want to address this life milestone with your agent before it’s too late. Read on for some tips on tying up any ...

Office Closure- Friday, June 10th

Our offices will be closed on Friday, June 10th for our annual training and development session. We will be unavailable for meetings, phone conversations and email inquiries.  We apologize for any disruption this may cause, and will be back in the office at 8:00AM Monday morning to serve you. In the meantime, you can check out the self-service options we ...

Waiver of Subrogation: What is it?

Updated April 2026 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!

Updated April 2026

DIFS Warns About Possible Scammers During M.C.C.A Refund Period

The Department of Insurance and Financial Services (DIFS) urges Michigan drivers to keep on the lookout for imposters pretending to be authorized personnel from the Michigan Catastrophic Claims Association, or their insurance company.

M.C.C.A Refunds & What You Need to Know

Recently, the Michigan Catastrophic Claims Association (MCCA) unanimously voted to return excess funds back into the pockets of Michigan drivers like yourself. Insurance carriers will be receiving the funds directly from the MCCA on 3/9/22, and have until 5/29/22 to complete the refund process. Below are answers to the most frequently asked questions about this refund, and the process of distribution.  ...

What You Need to Know About the Slippery Scenarios of Water Damage and Your Insurance

Updated February 2026

What Insurance Buyers Need to Know about the Cyber Liability Outlook

Earlier this year, we shared a general outlook on the insurance market for 2022. The insurance market has been hardening after years of relative stability. We'll continue to dive in on specific coverages to share a bit on how they have been impacted, what to expect for 2022 and how you can best prepare your business.

What Businesses Need to Know About the Insurance Market Outlook for 2022

The last few years have been a challenge for many businesses due to a number of reasons (some more obvious than others). Some of these factors have also had a negative effect on the insurance industry after years of relative stability, which has accelerated a hardening insurance marketplace. This means that many segments of the insurance industry are becoming less ...

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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