We will be unavailable for meetings, phone conversations and email inquiries. We apologize for any disruption this may cause, and will be back in the office at 8:00AM Monday morning to serve you. In the meantime, you can check out the self-service options we have available to you as our valued client. When you're shopping around for commercial insurance, you'll likely come across the term waiver of subrogation or subrogation waiver as part of your contract terms. Read ahead to find out what this is, and if you should consider the additional coverage.
Services
Meet Our Team
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Top O' Michigan has had the opportunity to serve thousands of clients throughout Michigan and the Great Lakes states since 1974. With eight locations throughout Michigan, we are your 'expert buyer' of insurance and this cannot be done without the support of our administrative team. You may know them as the first smiling face when you walk through the door, the friendly 'hello' and guidance when you call in or from many other 'behind the scenes' help to make this ship run smoothly.Top O' Michigan has provided personal insurance solutions since 1974.
Why Top O' Michigan
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Top O' Michigan Insurance Solutions is a third generation insurance agency that was founded in 1974 with the goal of helping individuals, families, and businesses throughout Michigan protect what matters most. With multiple locations throughout Northern Michigan and 24/7 client access, we continue to serve thousands of clients throughout the Great Lakes States.
Auto Services
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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.
Auto Services Environmental Program
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As a garage owner, you deal with a lot of specialized equipment and materials and most of these materials are considered pollutants should they infiltrate the soil, air, or water. Now, think of the equipment and materials you use every day - paint, solvents, hydraulics - and the places you store them.
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