# Top O' Michigan Insurance Solutions

> Third-generation, locally owned independent insurance agency serving Michigan families and businesses since 1974. Personal and commercial lines, licensed in Michigan only. Keystone Insurers Group partner (named Michigan Partner of the Year). Six offices: Alpena, Hillman, Traverse City, Petoskey, Gaylord, and Iron River. Phone (800) 686-8664. Email service@thespireteam.com. Motto: "national resources, locally sourced." All coverage is subject to underwriting and is not bound or altered until confirmed by an authorized representative.

## Personal insurance
- [Auto & No-Fault](https://tomia247.com/auto-insurance)
- [Home, Condo & Renters](https://tomia247.com/home-insurance)
- [Life](https://tomia247.com/life-insurance)
- [Health](https://tomia247.com/health-insurance)
- [Medicare](https://tomia247.com/medicare)
- [Disability](https://tomia247.com/disability-insurance)
- [Umbrella](https://tomia247.com/umbrella-insurance)
- [Boat & Watercraft](https://tomia247.com/boat-insurance)
- [Farm & Country Estate](https://tomia247.com/farm-country-estate)
- [Flood](https://tomia247.com/flood-insurance)
- [Pet](https://tomia247.com/pet-insurance)
- [Travel](https://tomia247.com/travel-insurance)
- [Vacation Rental & Lessors Risk](https://tomia247.com/vacation-rental-insurance)

## Business insurance
- [Business Owners Policy (BOP)](https://tomia247.com/business-owners-insurance)
- [Workers' Compensation](https://tomia247.com/workers-compensation)
- [Commercial Auto](https://tomia247.com/business-auto-insurance)
- [Contractors](https://tomia247.com/contractors-insurance)
- [Builders Risk](https://tomia247.com/builders-risk)
- [Cyber Liability](https://tomia247.com/cyber-insurance)
- [Surety & Contractor Bonds](https://tomia247.com/michigan-bonds)
- [Surety Bonds - Petoskey](https://tomia247.com/surety-bonds-petoskey)
- [Employee Benefits](https://tomia247.com/employee-benefits)
- [Pollution Liability](https://tomia247.com/pollution-liability)
- [Nonprofit](https://tomia247.com/nonprofit-insurance)

## Industries served
- [Food & Beverage / Restaurants & Bars](https://tomia247.com/food-beverage-insurance)
- [Food Trucks](https://tomia247.com/food-truck-insurance)
- [Breweries, Distilleries & Wineries](https://tomia247.com/craft-beverage-insurance)
- [Convenience Stores & Gas Stations](https://tomia247.com/convenience-store-insurance)
- [Hotels, Motels & Resorts](https://tomia247.com/hotel-motel-resort-insurance)
- [Campgrounds & RV Parks](https://tomia247.com/campground-rv-insurance)
- [Outfitters & Guides](https://tomia247.com/outfitters-guides-insurance)
- [Salons, Barbers & Spas](https://tomia247.com/beauty-salon-spa-insurance)
- [Religious Institutions](https://tomia247.com/religious-institutions-insurance)
- [Special Events & Weddings](https://tomia247.com/special-event-insurance)

## Quotes & pricing
- [Get a Quote](https://tomia247.com/get-a-quote)
- [Personal Quote](https://tomia247.com/personal-quote)
- [Commercial Quote](https://tomia247.com/commercial-quote)
- [Pricing & Cost Estimators](https://tomia247.com/pricing)
- [Contractor Cost Estimator](https://tomia247.com/contractor-cost-estimator)
- [Builders Risk Estimator](https://tomia247.com/builders-risk-estimator)
- [Personal Insurance FAQ](https://tomia247.com/personal-insurance-faq)
- [Commercial Insurance FAQ](https://tomia247.com/commercial-insurance-faq)
- All coverage and pricing are subject to underwriting. No premiums are quoted on the website.

## Learn
- [Insurance 101](https://tomia247.com/insurance-101)
- [Blog](https://tomia247.com/blog)
- [Safety Resources](https://tomia247.com/safety-resources)
- [Food & Alcohol Safety Training](https://tomia247.com/food-alcohol-training)
- [OSHAlogs (OSHA recordkeeping)](https://tomia247.com/oshalogs)

## Company
- [About](https://tomia247.com/about-top-o-michigan-insurance-solutions)
- [Our Team](https://tomia247.com/our-team)
- [Locations - 6 Michigan offices](https://tomia247.com/locations)
- [Contact](https://tomia247.com/contactus)
- [Careers](https://tomia247.com/careers)
- [We Care - community involvement](https://tomia247.com/we-care)
- [Keystone Partnership](https://tomia247.com/keystone-partnership)
- [Press & Recognition](https://tomia247.com/press)
- [Testimonials & Google Reviews](https://tomia247.com/testimonials)
- [24/7 Client Access](https://tomia247.com/client-access)
- [Report a Claim](https://tomia247.com/report-a-claim)

## Carrier panel
Hanover/Citizens, Fremont, Frankenmuth, EMC, Nationwide, Liberty Mutual, AAA, Safeco, Central, Accident Fund, Retailers, Hartford, Travelers, Progressive, Foremost, Michigan Millers, Great Lakes Mutual, Allied, Illinois Casualty.

## Compliance posture
- Licensed in Michigan only.
- All coverage is subject to underwriting and is not bound or altered until confirmed by an authorized representative.
- No specific premiums, eligibility, or claim outcomes are promised on the website.