Tyler Bartosh
Posted:
in
Commercial Insurance
,
Construction
,
Contractors
,
Insurance
,
Loss Control
,
Michigan
,
Renters Insurance
,
Risk Management
,
Surety Bonds
,
Workers Compensation
9 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:
9 months, 3 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
,
- business owner
,
- customer service
,
- Best Insurance
,
- insurance for business
,
- general liability
,
- workers compensation
,
- claims
,
- service
,
- client
,
- michigan
,
- traverse city
,
- alpena
,
- petoskey
,
- gaylord
,
- marquette
,
- Grayling
,
- contractor
,
- construction
,
- manufacturing
,
- retail
,
- store
,
- brewery
Posted:
in
Commercial Insurance
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Disability Insurance, Financial, Medical, Health
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Health Insurance
,
Insurance
,
Operations
,
Risk Management
,
Small Business
10 months
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
,
- costco
,
- community
,
- michigan
,
- traverse city
,
- alpena
,
- gaylord
,
- petoskey
,
- marquette
,
- Grayling
,
- oscoda
,
- Escanaba
,
- local
,
- client service
,
- retention
,
- business
,
- personal insurance
,
- health insurance
,
- group benefits
Posted:
in
Hotels
,
Insurance
,
Loss Control
,
Michigan
,
Risk Management
,
Small Business
,
Workers Compensation
10 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
,
- insurance
,
- business
,
- hotels
,
- Motels
,
- hospitality
,
- checklist
,
- insurability
,
- crisis
,
- business owners
,
- cheap insurance
,
- best hotel insurance
,
- best motel insurance
,
- traverse city
,
- gaylord
,
- alpena
,
- petoskey
,
- grand rapids
,
- lansing
,
- detroit
,
- tawas
,
- west branch
,
- mackinaw city
,
- Mackinac
,
- marquette
Posted:
10 months, 1 week
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
,
- business
,
- small business
,
- entrepreneur
,
- life insurance
,
- government
,
- buysell
,
- agreement
,
- supreme court
,
- planning
,
- professional review
Posted:
in
Claims
,
Cyber Liability
,
Data Breach
,
Financial
,
Insurance
,
Loss Control
11 months, 3 weeks
ago
The CrowdStrike Outage: A Wake-Up Call for Cyber Liability Insurance
Tags:
- CrowdStrike
,
- cyber
,
- insurance
,
- Global
,
- data
,
- cyber liability
,
- Security
,
- Technology
,
- business
,
- Loss of Income
,
- Services
,
- cybersecurity
Posted:
in
Auto Insurance
,
Claims
,
Financial
,
Hotels
,
Insurance
,
Loss Control
,
Michigan
,
Workers Compensation
1 year
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
,
- michigan
,
- hotels
,
- insurance
,
- Price
,
- Increase
,
- claims
,
- Motels
,
- resorts
,
- disaster
,
- loss
,
- liability
,
- hotelier
,
- coverage
,
- affordable insurance
,
- challenges
,
- success
Posted:
1 year
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
,
- hours
,
- open
,
- schedule
,
- local
,
- alpena
,
- traverse city
,
- petoskey
,
- gaylord
,
- hillman
,
- oscoda
,
- family
,
- work
,
- service
,
- clients
,
- summer
Posted:
in
Health Insurance
3 years, 4 months
ago
Water damage is one of the most common causes of insurance claims for homeowners and businesses. At the surface, water is water...right? Unfortunately, burst pipes, backed up drains, flooded basements or a leaking roof will lead one to discover the details of their insurance policy - finding that all water damage is not the same according to the insurance policy ...
Tags:
- water
,
- insurance
,
- damage
,
- claim
,
- Flood
,
- rain
,
- winter
,
- storm
,
- michigan
,
- thaw
,
- ice
,
- snow
,
- melt
,
- spring
,
- Home
,
- business
,
- property
,
- insurance claim
Posted:
in
Claims
,
Cyber Liability
,
Data Breach
,
Insurance
,
Loss Control
,
Risk Management
,
Small Business
3 years, 5 months
ago
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.
Tags:
- cyber
,
- data
,
- privacy
,
- phising
,
- cyber criminal
,
- liability
,
- cybercrime
,
- crime
,
- cyber liability
,
- cyberliability
,
- social engineering
,
- phish
,
- phishing
,
- employees
,
- business
,
- insurance
