Before Your Renovations or New Construction in Northern Michigan: Builders Risk & Insurance Mistakes to Avoid
Across Northern Michigan—whether you’re a contractor, manufacturer, healthcare organization, municipality, or growing family-owned business—expansion usually means one thing:
If you're an HVAC contractor in Michigan, your business relies on vehicles to keep jobs moving. Whether you're hauling tools across town or responding to a no-heat emergency in January, your wheels are your livelihood. But are you fully protected on the road?
If you’re an HVAC contractor in Traverse City, Alpena, Petoskey or anywhere across northern Michigan, you know that staying compliant and protected isn’t just smart — it’s essential. Between tight project deadlines, climbing ladders, and handling costly equipment, accidents can (and do) happen.
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?
Choosing the right insurance broker can feel daunting, but it doesn't have to be. If you're unsure what to ask when vetting potential agents, you're not alone. This guide will walk you through key questions you should consider to ensure you're getting the best service for your unique needs.
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 ...
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 ...
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
Life Changes Fast—Your Insurance Should Keep Up
Think about the last show you binge-watched. Each season brought new twists, unexpected challenges, and major character growth. Unlike TV, real life doesn’t follow a script—and that’s exactly why your insurance coverage shouldn’t stay static.
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
