insurance

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How Much Liability Insurance Is Enough?

Posted: in Accident , Claims , Homeowners , Insurance 4 years, 5 months ago

Updated January 2026

What to do in the Event of a Claim

Posted: in Accident , Auto Insurance , Claims , Home , Homeowners , Insurance , Loss , Risk Management , Small Business , Workers Compensation 4 years, 6 months ago

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:

How Does the Increase in Cost of Construction Impact Your Insurance?

Posted: in Claims , Home , Homeowners , Loss , Risk Management 4 years, 7 months ago

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 ...

Six Steps to Minimize Business Interruptions

Posted: in Claims , Data Breach , Insurance , Small Business 4 years, 11 months ago

Updated January 2026 Business Interruption Planning in 2025: How to Protect Your Business Before a Disruption Happens According to the Federal Emergency Management Agency (FEMA), nearly 40% of businesses never reopen after a disaster. In 2025, disasters don’t just mean fires or storms—they include cyberattacks, utility failures, supply chain breakdowns, workforce disruptions, and government-mandated shutdowns.

Is My Business a Target for Social Engineering Fraud and Cyber Crime?

Posted: in Claims , Cyber Liability , Data Breach , Insurance , Loss Control , Small Business 5 years ago

Updated December 2025

Important Dates for OSHA Recordkeeping

Posted: in Claims , Insurance , Loss Control , OSHA , Risk Management , Workers Compensation 5 years 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 ...

4 Tips for Winter Roof Maintenance

Posted: in Claims , Home , Homeowners , Insurance , Risk Management 5 years, 1 month ago

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.

5 Strategies for Reducing Health Benefits Costs in 2025

Posted: 5 years, 5 months ago

Updated December 2025

How Can I Save Money on My Business Insurance?

Posted: in Small Business 5 years, 7 months ago

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.

COVID-19 Updates and Agency Accessibility

Posted: 5 years, 10 months ago

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. 

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