Concealed Weapons & Firearms Insurance

As a gun owner, safety is your top priority and we want to reward your responsibility by protection your assets.  Gun owners are typically held responsible for damages resulting from negligent or willful acts involving their firearms.  A firearms liability policy is designed to protect you and fill the gaps in most individual’s personal policies such as coverage for property, life, or homeowners. 

Unlike many programs that limit coverage to activities such as hunting or shooting ranges, our program provides coverage to you for your use of a “legally possessed firearm” arising out of “an act of self-defense” regardless of your activities immediately preceding the event anywhere you can legally possess a firearm in the United States including its territories and possessions, Puerto Rico and the U.S. Virgin Islands.  We understand that this can have devastating consequences, putting you, your family and your assets in jeopardy.  To help protect your lifestyle, Top O' Michigan Solutions provides an affordable solution to safeguard your assets from the threat of a lawsuit through concealed weapon insurance.

Many homeowners policies do not offer the coverage for firearm use in an act of self-defense. Don't be fooled by legal service payment plans that restrict representation and require you to use their investigators, experts, and lawyers. Those programs do not provide insurance protection. Our program provides real self-defense insurance protection in which the insured has the flexibility to choose counsel of their choice.  This program is also unique in that you're able to Quote, Pay, and Issue the policy on your own by clicking the button below.  If you have additional questions, please feel free to reach out to us for assistance at 800-686-8664 or email

Coverage Highlights

  • Civil Defense
  • Criminal Defense
  • Grand Jury Defense
  • Defense Attorney Retainer
  • Bail Bond Funding
  • Daily Court Compensation
  • Spousal Protection - We offer the same coverages to the spouse of a policyholder while in the home free of charge. If the spouse carries outside the home a separate policy purchase would be required. We offer a spousal discount if the spouse purchases a separate policy within 60 days of primary policy holder.
  • Firearm/Accessory Insurance is an optional coverage that will result in additional premium

Read more FAQ's Here

Our Locations

514 N Ripley Blvd
Alpena, MI 49707

(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

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

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