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What Is Builders Risk Insurance & Do I Really Need It?

Posted: in Commercial Insurance , Construction , Contractors , Homeowners , Insurance 3 weeks, 2 days ago

Everything You Need to Know Before Starting Your Construction Project

Commercial Auto Insurance for HVAC Contractors in Michigan: Everything You Need to Know

Posted: in Auto Insurance , Commercial Insurance , Construction , Contractors , Insurance , Small Business , Workers Compensation 1 month ago

If you're an HVAC contractor in Michigan, your business relies on vehicles to keep jobs moving. Whether you're hauling tools across town or responding to a no-heat emergency in January, your wheels are your livelihood. But are you fully protected on the road?

HVAC Contractors: A Complete Guide to Workers’ Comp & General Liability in Michigan

Posted: in Commercial Insurance , Construction , Contractors , Insurance , Michigan , Small Business , Workers Compensation 1 month ago

If you’re an HVAC contractor in Traverse City, Alpena, Petoskey or anywhere across northern Michigan, you know that staying compliant and protected isn’t just smart — it’s essential. Between tight project deadlines, climbing ladders, and handling costly equipment, accidents can (and do) happen.

From Overpaying to Savings: How We Transformed a Client's Insurance Program

Posted: 5 months, 2 weeks ago

Backstory

Social Inflation: What "Record Settlements" Mean for Your Insurance Rates

Posted: 6 months, 3 weeks ago

If you've driven any stretch of highway recently, you've likely noticed the countless billboards advertising the "largest personal injury attorneys" or touting "record settlements." These flashy signs beg the question: how are these settlements possible on such a massive scale, and what does this mean for the insurance industry—and you?

How to Choose the Right Insurance Agent for Your Business: Your Guide to the Right Partnership

Posted: in Commercial Insurance , Insurance , Risk Management , Small Business 7 months ago

How to Choose the Right Insurance Agent for Your Business: A Guide for Michigan Business Owners In the world of business insurance, your agent is more than just someone who provides policies – they’re a key partner in safeguarding your business and setting it up for long-term success. So, how do you find the right one? Let’s explore the qualities ...

"Your Liquor License Has Been Suspended" - A Cautionary Tale and Hidden Risks of Working with the Wrong Insurance Agent

Posted: in Commercial Insurance , Insurance , Michigan , Risk Management , Small Business 7 months, 1 week ago

What would you do if you received this alarming message out of the blue?

The Ultimate Insurance Agent Vetting Checklist: What to Ask Your Agent

Posted: in Claims , Commercial Insurance , Construction , Insurance , Loss Control , Operations , Risk Management , Small Business 8 months, 3 weeks ago

Choosing the right insurance broker can feel daunting, but it doesn't have to be. If you're unsure what to ask when vetting potential agents, you're not alone. This guide will walk you through key questions you should consider to ensure you're getting the best service for your unique needs.

Who Are The Best Insurance Agencies in Traverse City, Michigan

Posted: in Commercial Insurance , Insurance , Michigan , Risk Management , Small Business 9 months ago

Each year, our Top O’ Michigan team works with thousands of individuals and businesses throughout Michigan with respect to their insurance coverage. We are often asked who some of the other insurance agencies are in the area.

How Business Owners Can Tackle the Top 4 Insurance Challenges

Posted: 9 months, 2 weeks ago

It seems just about every new business owner that we've worked with is in a bind with the 1 (or more) of the same 4 problems. In today's turbulent business environment, insurance has become a major pain point for many companies. As someone deeply entrenched in the industry, I've noticed a recurring pattern of challenges that seem to plague business ...

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Our Locations

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

Call: (800) 686-8664 Fax: (888) 686-8664
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