(800) 686-8664    

Insurance Solutions with Convenience in Mind

Convenience stores allow you to purchase the items you need with ease.  Whether you're making an early morning stop for gas and coffee, a quick snack for the road or some refreshments on the way home - convenience stores are the popular choice for these goods.  However, with this convenience comes a number of unwanted risks for the store owners.  

We've partnered with the top insurers of convenience stores to help protect you from these risks and more. As your insurance pros, we learn about you, your team, and your business to maximize the value for your annual insurance expense.  So why take chances that you'll find yourself "inconvenienced" with poor coverage? Trust your store to the experts at Top O' Michigan Insurance.

Property Insurance

Specialized Property Insurance:

  • Buildings, Business Personal Property, Tenant Improvements and Betterments
  • Business Income & Extra Expense - Actual Loss Sustained
  • Business Income due to off-premises utility interruption
  • Employee Dishonesty
  • Above ground fuel pumps
  • Fuel contained in underground pumps 
  • Food spoilage - Covers a loss of perishable stock caused by temperature or humidity changes brought by certain mechanical breakdown or failure, contamination by refrigerants and power outages beyond your control
  • Outdoor signs and awnings
  • Equipment Breakdown - Covers physical damage to refrigerators, cash registers, POS systems, ovens, heat/AC units due to mechanical breakdown, short circuits, operator error, power surges and more

Liability Insurance

Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.

Policies provide coverage for liability arising out of:

  • Premises and Operations
  • Products/Completed Operations
  • Personal and Advertising Injury
  • Medical Payments
  • Employment Practices Liability
  • Cyber Liability

We live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.  Contact us today at 800-686-8664 or ClientService@TOMIA247.com for more information about Commercial Insurance for your restaurant. 



Your store qualifies for this program even if your operation offers:

  • Grocery Stores
  • Self-service car wash
  • LP canister exchange
  • 24-hour operation
  • Full, limited or no cooking
  • Package liquor sales

Liquor Liability Insurance

Alcohol is a part of your business. However, it also comes with risk to you and your business. Be sure you're protecting everything you've built. Not all Liquor Liability policies are created equally, be sure you're familiar with your coverage.

Some unique coverage options include:

  • Limits from $50,000 up to $2,000,000 without additional endorsement
  • No annual aggregate limit of insurance
  • Broadened definition of "your premises"
  • Defense costs outside of the limit
  • Premises owner included as an insured
  • Assault and Battery
  • On TAP server training available
  • Discounts for association memberships, security cameras, and training

Our Locations

Alpena
514 N Ripley Blvd
Alpena, MI 49707

(989) 356-6133

Hillman
150 State St
Hillman, MI 49746

Local: (989) 742-4574

Oscoda
117 S State St
Oscoda, MI 48750

Local: (989) 739-1461

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

Mio
607 S Morenci Ave
Mio, MI 48647

Local: (989) 826-3989

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

Petoskey
455 Bay St, Ste C
Petoskey, MI 49770

Local: (231) 347-4610

Gaylord
440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664