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.
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.
Michigan Lawmakers Pass Auto Insurance Reform Bill
After more than four decades under the current no-fault system, Michigan is about to see major reform for the first time since the No-Fault Automobile Insurance Law took effect in 1973. Last week, Governor Whitmer signed a bill into law that contains a number of sweeping changes to the No Fault Act. While ...
How Much Disability Insurance Do You Need?
May is Disability Insurance Awareness Month which means this is a great time to begin the conversation of how you can protect your ability to earn an income. One third of workers are concerned about becoming sick or disabled and not being able to work - yet only 20% have disability insurance. 2018 Insurance ...
What You Should Know Before Home-Sharing?
By now, you have probably heard of the popularity in ride-sharing (Uber, Lyft) and home-sharing (Airbnb). Maybe you have even considered joining one of these home-sharing websites to earn some extra money. However, there are a number of risks that homeowners should be aware of before entering into any of these activities.
Your Duties After a Loss
As insurance professionals, we're in the business to pay claims. After all, that is why individuals, families and business owners invest money each year - to manage the risks that face them. An insurance policy is called a "conditional contract". This means that if the insured does X , the insurer will do Y (protect ...
School is Back in Session!
School is back in session and many people have kids going off to college. That means a lot of changes can go on with your insurance policies, what coverage is extended and what insurance policies you can put in place to help protect your family.
Incentive programs, post-incident drug testing not prohibited under electronic recordkeeping rule – Clarification from OSHA
Nov. 7, 2018
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
