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 ...
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 ...
According to the Federal Emergency Management Agency, 40 percent of businesses never reopen after a disaster. Implementing steps to prepare for and respond to disasters can help to reduce loss. In order to protect your business from unavoidable interruptions, it is recommended that you have a plan in place.
Updated December 2025
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 ...
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
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.
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.
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
