Top O' Michigan Insurance Solutions

Insurance Solutions for Auto Services

It may be time for a tune-up or preventative maintenance on your current insurance program in place.  Top O' Michigan has partnered with the top insurers of auto service businesses.  Our Auto Services Program covers a number types of garage risks including mechanical shops, body shops, paint shops, car washes, car dealers, towing services and more.

Let us help you keep your auto service business running smoothly with the right coverage tailored to your needs.  Top O' Michigan Insurance can help provide an insurance solution that includes the important coverage such as:

Essential Property Coverage for buildings, your business's personal property and the personal property of others.

Businessowners Liability Coverage to protect your business from liability exposure, including premises and operations, product liability and completed operations.

Comprehensive Business Auto Coverage protects the commercial vehicles used in business and driven by employees.

Umbrella Coverage provides your business with additional security in the event of a catastrophic liability claim.

Workers' Compensation Insurance covers medical expenses and compensation for lost wages of workers who are injured on the job.  Learn more about Workers' Compensation here.

Get an Insurance Proposal


Key Coverages for Your Business

Your business isn't like other businesses. What happens to your business and those who depend on it if you were to suffer an unexpected loss? We can help you recover from the unpredictable with unique options like:

  • Business Income - Actual Loss Sustained
  • Cyber Liability
  • Employee Theft
  • Employees Tools Coverage
  • Employment Practices Liability: Example: An auto shop owner was sued by a long-time elderly employee for wrongful termination. 
  • Garage Liability Coverage
  • Mechanics Errors & Omissions: Provides coverage for the repairs or replacement made by the insured to the customer's auto if property damage to the customer's auto arises out of the insured's garage operations, resulting from the insured's work or product.
  • Personal Effects and Property of Others
  • Pollutant Cleanup and Removal
  • Title Errors and Omissions
  • Utility Services - Direct Damage
  • Utility Services - Business Income
  • Water Back-up and Sump Overflow

Auto Services Pollution Program

Often times the Pollutant Cleanup and Removal coverage added into your policy is not enough. In most cases, pollution can be excluded without your policy being properly endorsed.

Your Current Policy may exclude pollution coverage or be very limited.

Asset Protection: You may want to sell your property one day. A Phase I Environmental Site Assessment may indicate there is contamination that needs to be cleaned up, costing you thousands.

Ongoing Operations: Let's face it, accidents do happen on the job.

Public Threats: People can do crazy things, like dump waste on yours or an adjoining property or pour waste down your drains.

Waste Stream: Whether you or a third party disposes of waste, YOU are responsible for its generation at the disposal site.

This program offers:

  • Site Pollution
  • Transit Pollution
  • Contingent Pollution
  • Non-Owned Disposal Site Cleanup
  • Tank-Only Coverage
  • Natural Resources Damages
  • Transmigration

What makes this program different? You're receiving excellent, economical coverage! Premiums start at $400 with a choice of limits of $250,000; $500,000; or $1,000,000.  You also receive access to ASEPsafety.com -an exclusive site offering safety and risk management education.

Click here to learn more about this exclusive auto service pollution liability!

Contact Top O Michigan

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
322 Bay St, Ste 1
Petoskey, MI 49770-4401

Local: (231) 347-4610

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

Local: (989) 705-8664