risk

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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.

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. 

Auto Insurance Reform Bill Passed

Posted: in Auto Insurance , Claims , Financial , Health Insurance , Michigan 6 years, 8 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, 9 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 7 years 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 ...

Who's the Boss After a Loss?

Posted: in Accident , Claims , Home , Insurance , Loss , Small Business 7 years ago

Updated December 2025 Your Duties After a Loss: What to Do in 2025 When something unexpected happens—a storm, a burst pipe, a vehicle accident, or damage to your business—your insurance is there to help you recover. That’s why individuals, families, and business owners invest in coverage year after year: to protect what matters most and manage life’s biggest risks. Insurance ...

Back to School - Insurance with Kids Away at College

Posted: in Auto Insurance , Claims , Homeowners , Insurance , Renters Insurance 7 years ago

updated December 2025

Clarification from OSHA on Incentive Programs and Post-Incident Drug Testing - Updated November 2025

Posted: in Claims , Insurance , OSHA , Workers Compensation 7 years ago

Posted: November 2025

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