Top O' Michigan Insurance Solutions
    

Risk Management


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 ...

April is Distracted Driving Awareness Month!

The National Safety Council recognizes April as Distracted Driving Awareness Month. This event is intended to raise awareness about the dangers of distracted driving and encourage motorists like you to minimize potential distractions behind the wheel.

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.

Building a Strong Password to Thwart Cyber Crime

Strong passwords can help keep you safe! We've all been online a lot more recently, whether that is for work, for groceries, or simply to stay connected to friends and family. The Internet makes a lot of things convenient, but it also makes our personal information convenient for cyber crime, too. For good reason, many of us worry about the ...

Winter is Coming, Are You Prepared?

Winterize your home and make sure you're covered! Winter weather is coming, regardless of how much we dream of sunshine and beach days. That's why it's important to make sure all areas of your property are ready for low temps, high winds, and ice and snow accumulation. Below, we've collected a few tips to help fight off damage from brutal ...

What to do in the Event of a Claim

Experiencing a loss to your property or worse yet, bodily injury or death is a very stressful time. It may be difficult to know what your next steps are after making sure everyone involved is okay or being treated by emergency responders. Here are a few tips to help guide you through a loss and claim process whether it is ...

How Does the Increase in Cost of Construction Impact Your Insurance?

By now, you are most likely well aware of the rising costs of construction materials. These rising costs have been noted but many individuals and business owners may not be fully considering its implications on insurance policies. According to an Associated Builders and Contactors analysis, lumber prices have risen by 73% since April of 2020. Lumber isn't the only construction material ...

Are You Prepared for an Active Shooter Incident?

Recently, I was invited to an 'Active Shooter' training with Iron Fish Distillery  led by Deputy Michael Makowski of Grand Traverse County Sheriff's Office. You may be wondering, 'why would we be doing active shooter training in Northern Michigan?'. Active shooter risk is a very unfortunate reality in America which has led many businesses to prepare their teams for crisis ...

Important Dates for OSHA Recordkeeping

Each year, the Occupational Safety and Health Administration (OSHA) requires certain employers to submit information from their OSHA Form 300A electronically in in addition to displaying the forms in a prominent place at the worksite.  Failure to meet comply with these recordkeeping requirements and deadlines can result in OSHA penalties and more detailed recordkeeping. Let's take a closer look at these important ...

4 Tips for Winter Roof Maintenance

The Michigan winters can bring a lot of rain, sleet, ice, wind, and of course snow. Depending on what side of the discussion you are on, the extra snow can bring heaps of fun or added work. Keeping your roof in good shape is truly a year-round job but it is especially important that you focus on solid roof maintenance ...

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Alpena, MI 49707

 Local: (989) 356-6133

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Hillman, MI 49746

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Traverse City, MI 49684

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Iron River, MI 49935

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Gaylord, MI 49735-1401

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