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:
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.
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:
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.
As a Keystone Partner, we have access to a unique Garage Pollution Program specifically designed for your type of business. Garage owners deal with a lot of specialized equipment and materials including paint, solvents, hoists, and storage areas such as underground tanks. Many of these materials are considered pollutants should they infiltrate the soil, air, or water.
Improper application; storage, transit, or disposal of materials; or aged or broken equipment can cause this infiltration of these pollutants and expose you, the garage owner, to a potential claim for bodily injury, clean-up, or associated defense costs.
514 N Ripley Blvd
Alpena, MI 49707
150 State St
Hillman, MI 49746
Local: (989) 742-4574
117 S State St
Oscoda, MI 48750
Local: (989) 739-1461
3183 Logan Valley Rd
Traverse City, MI 49684
Local: (231) 947-1164
607 S Morenci Ave
Mio, MI 48647
Local: (989) 826-3989
117 W Genesee St, Ste 1
Iron River, MI 49935
Local: (906) 265-5137
322 Bay St, Ste 1
Petoskey, MI 49770-4401
Local: (231) 347-4610
440 W Main St, Ste F
Gaylord, MI 49735-1401
Local: (989) 705-8664