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When You’ve Been Burned Before, Choosing the Right Insurance Agent Matters Even More

Posted: in Commercial Insurance , Construction , Contractors , Insurance 5 months ago

Tyler, our Vice President here at Top O' Michigan, shares his experience about his recent renovation and parallel between contractors and insurance brokers: it's about WHO you choose for the job.

Important Dates for OSHA Recordkeeping

Posted: in Claims , Insurance , Loss Control , OSHA , Risk Management , Workers Compensation 4 years, 11 months ago

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 ...

Auto Insurance Reform Bill Passed

Posted: in Auto Insurance , Claims , Financial , Health Insurance , Michigan 6 years, 7 months ago

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 ...

Disability Insurance - How Much Do You Need?

Posted: in Accident , Disability Insurance , Financial , Health Insurance , Insurance , Life Insurance , Loss 6 years, 8 months ago

Updated December 2025 How Much Disability Insurance Do You Really Need in 2025? Most people insure their home, their car, and even their phone—but forget to insure the one thing that pays for everything: their income. May is still recognized as Disability Insurance Awareness Month, making it the perfect time to talk about how you protect your ability to earn ...

The Home-Sharing Basics

Posted: in Claims , Home , Home Sharing , Homeowners , Insurance , Vacation 6 years, 11 months ago

Updated December 2025 What You Should Know Before Home-Sharing With the rise of the gig economy, home-sharing platforms like Airbnb and Vrbo have become popular ways to earn extra income from your property. While the idea of turning your home—or even a spare room—into a revenue stream is appealing, there are important considerations homeowners need to understand before listing their ...

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