Top O' Michigan Insurance Solutions

Employee BenefitsEmployee Benefits

Your employees are your largest and one of the most important asset to your business.  That is why Top O' Michigan provides a solution that proves to be as valuable as they are to your company.  As an employer, you're able to protect your employees from potential medical bills and lost wages if they're injured on the job with Workers Compensation. What about when they're away from work?

As your solution provider, we want to partner with your business to help you attract and retain top talent with a customized employee benefits solution. Whether you're a business with 10 employees or 500+ employees, Top O' Michigan helps Michigan employers invest in their workforce and achieve their goals with a tailored employee benefits program.  Our 'Spectrum of Solutions' creates value for both employers and employees by protecting their health.  Get your employee benefits solution started today!

Let's talk about employee benefits!

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Why Choose Top O' Michigan?

Traditional brokers meet basic needs when it comes to claims, plans, and renewals.
Tech companies
solve HR and administration issues, but lack insurance expertise to offer full compliance.
Top O' Michigan's Keystone Benefits Department 
solves these challenges with comprehensive guidance and one-on-one support.

Spectrum of Solutions

Our solution goes beyond the typical services most other brokers provide in simply quoting and comparing plans along with the application submission.

Let's talk about an employee benefits program that goes beyond the medical benefits and includes:

  • Insurance Guidance (Quote Plans; Claims & Billing Assistance; Negotiate Renewal; Plan Comparison; Coverage & Policy Expertise; Strategic Benefits Planning; Non-Medical)
  • Decision Support (Medical & Rx Analytics; Employee Retention Strategies; Non-Medical Benefit Offerings; Business Planning Strategy)
  • Compliance (ACA & DOL Compliance; OSHA Compliance; HR Assistance Hotline; Employee Handbook)
  • Benefits Administration (Vacation Tracking; On-boarding/Off-boarding Assistance; Employee Portal)
  • Communication (Health & Safety Training; Wellness Information; Employee Newsletters; Ongoing Benefits Education)

Blog: 5 Strategies to Reduce Employee Health Benefits Costs in 2021

Our Locations

514 N Ripley Blvd
Alpena, MI 49707

 Local: (989) 356-6133

150 State St
Hillman, MI 49746

Local: (989) 742-4574

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

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

Local: (906) 265-5137

1170 Bay View Rd, Ste B
Petoskey, MI 49770

Local: (231) 347-4610

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

Local: (989) 705-8664