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 ...
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 ...
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.
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 ...
(Updated January 2026)
Updated January 2026
Rising Construction Costs: Why Your Insurance Coverage Matters More Than Ever in 2025
By now, most homeowners and business owners are well aware that construction costs remain significantly higher than they were just a few years ago. While prices have stabilized in some areas, material and labor costs are still elevated—and that reality has important implications for ...
Updated January 2026
Active Shooter Preparedness: What Businesses Need to Know in 2025
Recently, I was invited to participate in an Active Shooter Preparedness Training hosted by Iron Fish Distillery and led by Deputy Michael Makowski of the Grand Traverse County Sheriff’s Office. It sparked an important question we hear often:
Updated December 2025
Winter Roof Maintenance Tips to Protect Your Home in Michigan (2025 Guide)
Michigan winters are nothing if not unpredictable. Heavy snow, freezing rain, sleet, high winds, and rapid temperature swings are now common—sometimes all in the same week. While extra snowfall can be great for winter recreation, it also places serious stress on residential and commercial roofs.
Updated December 2025
How Can You Save Money on Business Insurance in 2025?
Running a business in 2025 means balancing rising costs, evolving risks, and tighter margins. Whether you’re investing in new equipment, expanding your team, or adopting new technology, value matters—and that includes your business insurance.
Agency of the Month
LOOKING FOR NEW BUSINESS
Northern Michigan agency turns its sights southward
By Jenny Berner
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
