Top O' Michigan Insurance Solutions
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Lessons from Costco: How Top O' Michigan Delivers Value in Insurance

Posted: in Commercial Insurance , Disability Insurance, Financial, Medical, Health , Health Insurance , Insurance , Operations , Risk Management , Small Business 9 months, 1 week ago

In the world of retail, Costco stands out as a beacon of success, known for its unique business model that prioritizes customer value and loyalty. As an independent insurance agency, Top O' Michigan Insurance Solutions shares many of Costco's winning strategies (even down to the hot dogs).  Now, I'm not claiming to be Costco but let's explore how we apply ...

Hotel Insurance Crisis: Ways Hoteliers Can Secure Coverage When Insurers Are Saying No

Posted: in Hotels , Insurance , Loss Control , Michigan , Risk Management , Small Business , Workers Compensation 9 months, 1 week ago

Facing rejection from insurers? Discover how savvy hoteliers are finding coverage in a market where "uninsurable" is becoming the norm.  In today's volatile market, many hoteliers are facing a nightmare scenario: insurance companies are increasingly reluctant to provide coverage, leaving properties vulnerable and owners scrambling. If you're hearing "no" more often than "yes" from insurers, you're not alone. Here's how ...

New Summer Hours

Posted: 11 months, 3 weeks ago

New Summer Hours

With summer just around the corner, we’re updating our Friday office hours to better serve both you and our team.

Our new Friday hours are 8:00AM to 12:00PM, with limited coverage until 5:00PM for any urgent matters. This will take effect from 6/28/24 through 9/6/24.

As a third generation agency, family has always been extremely important to us and that includes our work family. Part of our Mission Statement reads that we will "give back to our employees..." This temporary schedule change will allow our team to spend more time with their families. This balance of both work and personal time will enable them to serve you with renewed energy.

With this change, our team will still be available to assist you with any urgent matters. Please call 800-686-8664, email us at clientservice@tomia247.com, chat with us online by visiting tomia247.com, or use your Client Connection portal and we will ensure your needs are met promptly.

If you have any questions regarding our summer schedule, please don’t hesitate to reach out.


5 Strategies for Reducing Health Benefits Costs in 2022

Posted: 3 years, 7 months ago

For the past two decades, health costs have increased each year. This happens for a variety of reasons, such as inflation or, say, a global pandemic. With that in mind, employers can bank on prices going up in 2022.

How Much Liability Insurance Is Enough?

Posted: in Accident , Claims , Homeowners , Insurance 3 years, 9 months ago

How much liability insurance is enough? $1,000,000 is an awful lot of money, right? That certainly seems that most people would be comfortable with these limits but should they be? Since every individual and business is unique, it can be hard to conceptualize possible scenarios where a large liability loss would occur. 

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 3 years, 10 months ago

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 ...

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

Posted: in Claims , Home , Homeowners , Loss , Risk Management 3 years, 11 months ago

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 ...

Are You Prepared for an Active Shooter Incident?

Posted: in Accident , Claims , Insurance , Loss , Loss Control , Michigan , OSHA , Risk Management , Small Business 4 years ago

Recently, I was invited to an 'Active Shooter' training with Iron Fish Distillery  led by Deputy Michael Makowski of Grand Traverse County Sheriff's Office. You may be wondering, 'why would we be doing active shooter training in Northern Michigan?'. Active shooter risk is a very unfortunate reality in America which has led many businesses to prepare their teams for crisis ...

4 Tips for Winter Roof Maintenance

Posted: in Claims , Home , Homeowners , Insurance , Risk Management 4 years, 5 months ago

The Michigan winters can bring a lot of rain, sleet, ice, wind, and of course snow. Depending on what side of the discussion you are on, the extra snow can bring heaps of fun or added work. Keeping your roof in good shape is truly a year-round job but it is especially important that you focus on solid roof maintenance ...

How Can I Save Money on My Business Insurance?

Posted: in Small Business 4 years, 11 months ago

How can I save money on my business insurance? Let's face it, most people want value when purchasing something. Whether that is a safe and reliable vehicle at an affordable price, quality craftsmanship in remodeling your home (without breaking the bank) or your business insurance package - quality and price are important. 

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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

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