When it comes to insurance, timing is everything. Most people assume they can file a claim when it's convenient—but that’s not how insurance policies work. In fact, one of the most common reasons claims are denied is because they weren't reported quickly enough.
If you've driven any stretch of highway recently, you've likely noticed the countless billboards advertising the "largest personal injury attorneys" or touting "record settlements." These flashy signs beg the question: how are these settlements possible on such a massive scale, and what does this mean for the insurance industry—and you?
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 ...
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 ...
Updated January 2026
Updated January 2026
What to Do After a Loss: A Step-by-Step Insurance Claims Guide (Updated for 2026)
Experiencing property damage, an auto accident, a workplace injury, or a liability claim can be overwhelming. After ensuring everyone’s safety and receiving any necessary medical care, many people are left wondering:
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 ...
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 ...
Coronavirus Updates - Office Closures and Accessibility
COVID-19 is presenting historic challenges for all citizens of the world and we are here ready to help. While executive actions have been taken to reduce the spread of the virus, we understand that this has directly impacted the individuals and businesses who have placed their trust in Top O' Michigan.
Updated December 2025
Michigan Auto Insurance Reform: What It Means for Drivers in 2025
Michigan’s auto insurance landscape permanently changed when lawmakers passed historic No-Fault Auto Insurance Reform—the first major overhaul since the original law took effect in 1973. While the bill was signed into law in 2019 and officially implemented in 2020, many of its long-term impacts are still ...
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
