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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
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.
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.
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.
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.
Reviews (12)
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Liz Berlin Hemming
Jun 03, 2022
We are very pleased with the staff and service we have received from Top O'Michigan Adjusting. Jackie, our specialist, explored our needs and made some excellent recommendations to provide us with the best coverage for us. We feel very protected and understand our coverage for our home, cabin and auto. Highly recommend!
Matthew Verlaque
Jun 09, 2020
Highly recommend Top O Michigan for their competitive prices and exceptional customer service. They combined my home and auto policies to save me hundreds of dollars every year. Every time I've had a question, I am able to get a quick and detailed response. Family owned and operated, this is a place you can rely on for your family's insurance needs.
Kandi Haines
Oct 23, 2019
Helped us find a comparable coverage at a much lower rate. Personal friendly service and a locally available staff ready to help if needed.
Stacey Kidder
Jun 09, 2019
Misty was amazing at helping me take over bills/financial responsibility for my mother when she became too ill to do so for herself. I live in another state, and by the time the mail was forwarded, policies had lapsed. She found new policy to get immediate coverage. She also helped me find appropriate home coverage for a unique situation of home ownership.

She was very compassionate and helpful during difficult times, and even sent me reminder emails, which was very helpful. Highly recommended company, even if you live over 400 miles away!
James Ruby
May 06, 2019
I am no longer a customer with Top O' Michigan Insurance, but I'll continue to recommend them as I did before. When I left I had a billing issue afterwards that the owner himself had reached out to me to fix. Thank you Brian and thank your team for the wonderful service.
Martin Van Fossan
Apr 22, 2019
Barb was very friendly and knowledgeable presenting the homeowner's insurance recommended by Top O' Michigan. She understands the local market and coverage our property required. We are very happy with her professional service.
Brandon Williams
Apr 17, 2019
Everything about your agency is RIGHT! You don't claim to be the biggest or excessively advertise which mean a lot to a small business owner like me. Always there when there is a hiccup or notice savings that can be had. Thank you! DreamLab3D
Susan Keena
Mar 25, 2019
Top O' Michigan has helped me for 18 years through 4 residents and I am very grateful for your service! Thank you!
Nick Wiklanski
Nov 23, 2018
I was recently persuaded to switch providers for my car insurance. Randomly decided to stop in at ToMi and see how things were. 110% positive that it was the correct choice. The rep was outstanding and helpful and I felt very confident making any decision about my policy after the rep broke down each question I had and made sure I understood everything before moving on. Amazing customer service.
Sara Welborn
Nov 14, 2018
When I just switched to another vehicle, they called me right away for permissions and to power my payment. Jackie really worked to get me the best price to begin with. I've read recommended to several people
Tristin C.
Sep 22, 2018
Progressuve quoted me $596.00 a month and Top o' Michigan offered me full coverage with a $500 deductible at 196.00 a month excluding collision. Amazing.
R. L.
Mar 26, 2016
The worst insurance company I have ever had. Been with them (Hillman location) for about a year and just had my first claim. Door of my new tractor had been smashed due to a rock hitting it. I contact my insurance company and the first thing she does is "send my claim elsewhere". I assume so they can figure out how best to "stick it to me" like I told my wife.

Well stick it to me they do. They WILL NOT HONOR MY CLAIM. Seems our good ole insurance woman (and we spoke with her in great length) regarding our NEW tractor and how we wanted it to be 100% covered. Well, it was not. Some clown with Hanover insurance told us that the Hillman office DID NOT TELL US about either a $250.00 deductible or a $500.00 deductible. CLAIM DENIED. COST TO ME: $755.00 SO TELL ME, WHY DO I HAVE INSURANCE IN THE FIRST PLACE? BYE BYE TOP O' MICHIGAN. We have new insurance now. USELESS! By the way. When trying to contact her, all we got is her machine. Again: USELESS. Don't waste your money or your time.