Risk Management
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
,
Renters Insurance
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Risk Management
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Surety Bonds
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Workers Compensation
11 months
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:
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
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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
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- marquette
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- Grayling
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- oscoda
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- Escanaba
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- local
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- client service
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- 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
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Insurance
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Loss Control
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Michigan
,
Risk Management
,
Small Business
,
Workers Compensation
11 months, 2 weeks
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
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- hotels
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- Motels
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- hospitality
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- checklist
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- insurability
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- crisis
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- business owners
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- 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
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- 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:
in
Auto Insurance
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Claims
,
Homeowners
,
Insurance
,
Loss
,
Loss Control
,
Michigan
,
Risk Management
3 years
ago
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 ...
Posted:
in
Accident
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Auto Insurance
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Loss
,
Loss Control
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Michigan
,
Risk Management
3 years, 4 months
ago
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.
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Claims
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Cyber Liability
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Data Breach
,
Insurance
,
Loss Control
,
Risk Management
,
Small Business
3 years, 6 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
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- data
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- privacy
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- phising
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- cyber criminal
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- liability
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- cybercrime
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- crime
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- cyber liability
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- cyberliability
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- social engineering
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- phish
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- phishing
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- employees
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- business
,
- insurance
Posted:
in
Claims
,
Cyber Liability
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Data Breach
,
Financial
,
Risk Management
3 years, 8 months
ago
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 ...
Posted:
in
Claims
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Home
,
Homeowners
,
Insurance
,
Risk Management
3 years, 9 months
ago
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 ...
Posted:
in
Accident
,
Auto Insurance
,
Claims
,
Home
,
Homeowners
,
Insurance
,
Loss
,
Risk Management
,
Small Business
,
Workers Compensation
4 years
ago
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 ...
Tags:
- claim
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- damage
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- loss
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- insurance
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- michigan
,
- weather
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- catastrophe
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- Home
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- auto
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- workers compensation
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- liability
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- business
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- small business
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- business owner
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- what to do
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- claim management
,
- claims
,
- michigan insurance
,
- traverse city
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- MI
,
- emergency
,
- emergency response
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- accident
Posted:
in
Claims
,
Home
,
Homeowners
,
Loss
,
Risk Management
4 years, 1 month
ago
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 ...
Tags:
- insurance
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- Flood
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- water
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- damage
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- claims
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- flood insurance
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- rain
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- winter
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- thaw
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- freezing
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- flash flood
,
- flooding
,
- dam
,
- loss
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- Home
,
- business
,
- michigan
,
- hurricane
,
- storms
,
- storm
,
- alpena
,
- traverse city
,
- gaylord
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- midland
,
- petoskey
,
- oscoda
,
- lake
,
- river
,
- pond
,
- insurance claim
