Motor Vehicle

• Auto Insurance
  It isn't much of a secret that Michigan auto insurance can be a touchy subject to some. For most Michiganders, driving is a necessity to commute to work, running errands around town, carting your children to school, and for the long awaited family vacation. That is why it is so important to make sure our drivers and passengers are properly protected. As Michigan's no-fault reform law (Michigan Senate Bill 1 and House Bill 4397) begins to take effect, Top O' Michigan wants to keep you properly informed of the changes and how you can best protect yourself with these changes.
• Boat Insurance
  Coverage for Mechanical Breakdowns - You have heard it before, insurance never covers common wear and tear or mechanical breakdowns. With the right coverage on your boat insurance policy, we'll repair or replace the lower unit of an outboard motor, or upper and lower units of an inboard/outboard motor if you have a breakdown - even if it's caused by wear and tear.
• RV Insurance
• Truck Insurance
  Unfortunately, accidents do happen and the insurance program you have in place does make a difference. Top O' Michigan has a specialized program to get you back up and running quickly with coverage for your food truck while you're out of work. Our customized food truck insurance solution is specialized for food trucks, food trailers and food stands including coverage for...

Property

• Renters Insurance
  We spend a lot of time and energy filling our living spaces with items that make it feel like home—it only takes one unexpected event to have it all stripped away. Renters insurance can give you peace of mind knowing that you and all of your belongings are covered. While policies can vary, most offer coverage for the following...
• Home Insurance
  As a farm owner, you chose farming because you're passionate about it. Many small-farm owners believe a homeowners insurance policy provides adequate coverage. However, if you grow and sell a product or raise any kind of livestock, you probably have additional insurance needs not covered by a homeowners policy. This includes coverage for barns and outbuildings, farm animals, equipment or the money you earn from farming.

Health and Life

• Life Insurance
  The topic of life insurance can often seem unnerving however, every family member has a need for life insurance. To put it simply, life insurance may be one of the most important decisions and purchases you'll ever make. You insure assets such as your home and car, but your most important asset is your ability to earn an income. In the event of a tragedy, life insurance can help your loved ones...
• Health Insurance
  Pets are family too and Top O' Michigan Insurance Solutions understands keeping our four-legged family members healthy is a priority. That is why we work with our partner insurance companies to provide a plan that best fits your budget and your pet's needs. Health insurance for your pets can protect you from costly vet visits so your furry family members can thrive.
• Disability Insurance
  Think about this...What would happen if you were suddenly unable to work due to an illness or injury? If you were without your paycheck, how long would you be able to make your mortgage or rent payment, buy groceries or pay other bills before feeling the stress? If you're like the the majority of working Americans (7 out of 10), you wouldn't be able to make it a month before financial difficulties set in. Even more astounding, one in four would have problems immediately. Cue a disability insurance policy.
• Long Term Care
  With the continuous changes in the health insurance industry, navigating through the legislation and evolving products can be a challenge. That is why it is important to sit down with a specialist who can help guide you through the complex health insurance world. Our insurance solution providers specialize in health insurance policies for individuals, Medicare supplements, long-term care, disability insurance, life insurance and group coverage for businesses.

Business

• Business Insurance
  Yet, 75% of business are under-insured and 40% of small business owners operate without an insurance at all. From unfortunate events like storms or fire damage to burglary and customer slip and falls - having a business insurance solution in place can help protect your company from going out of business. Without the right coverage, businesses can go bankrupt trying to pay for claim costs out of pocket.
• Workers Compensation Insurance
  At Top O’ Michigan Insurance Solutions, we pride ourselves on using our skills to provide clients with competitive pricing, stability and understanding, and peace of mind. With eight locations throughout Michigan and 24/7 client access, our team is your 'expert buyer' of insurance for home, auto, farm, boat, motorcycle, business owners, workers compensation, bonds, life and health, employee benefits and more.
• Commercial Liability Insurance
  We live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you. Contact us
• Professional Liability Insurance
  'expert buyer' of insurance for commercial property, general liability, workers compensation, business auto, umbrella, liquor liability, professional liability, pollution liability, bonds, employee benefits and more. You can learn more about our growing Top O' Michigan family below...
• Builders Risk Insurance
  Builders Risk Insurance is insurance coverage that provides protection for damage to buildings or structures under construction, renovation or repair. This policy can include coverage for construction materials, heating and air-conditioning equipment, labor costs and expenses in addition to temporary structures such as construction signs, false work, fencing, cribbing, scaffolding, and even trees and other plants. A
• Restaurant Insurance
  We've partnered with the top insurers of restaurants to help protect you from these risks and more. As Michigan restaurant insurance experts, we'll work with you to help you achieve your risk management goals. As your insurance pros, we learn about you, your team, and your business to maximize the value for your annual insurance expense.

Personal

• Liability Insurance
  People are more litigious than ever and a simple accident could hurt your ability to pay for your children's education or the ability to retire. An umbrella policy provides extra coverage to protect you, your family and your future! Personal umbrella insurance is an affordable way to protect your income and assets. Click here to contact one of our licensed solution providers and get your umbrella for an unexpected rainy day!
• Travel Insurance
  Travel insurance can protect against the loss of non-refundable travel costs, such as airfare, hotel and tour expenses. Other types of travel insurance offer protection against losses due to medical emergencies, damage to personal property and death, which may occur away from home on vacation.
• Pet Insurance
  As long as your cat or dog is at least eight weeks old, your pet is eligible to be enrolled in the Hartville Pet Insurance Program, whether or not you are a Safeco policyholder. The policies under the Program cover a wide variety of medical expenses, including...

Natural Disaster

• Flood Insurance
  Just one inch of water in an average sized home can cause more than $25,000 in damage. Federal disaster assistance is not always the answer. Most types of federal disaster assistance require a presidential disaster declaration and come in the form of low-interest disaster loans that must be repaid—with interest! Only flood insurance reimburses you for flood damage, providing the necessary funds for recovery—and you don’t have to pay it back.