Services
auto
We will work with you to develop the perfect policy for your needs. As a driver, here are some essential auto insurance options you need to know about where your policy would cover damages.
- Collision - Vehicle repair caused by accident
- Comprehensive - Damages created from severe weather, fires, vandalism, or theft
- Uninsured Motorists - If someone causes damage to your vehicle, they may not have enough liability coverage to cover your vehicle. This kind of situation can happen often.
home
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.
business
If you have a business in Ohio, there are several different insurance options to protect your employees and your business income. We can help you find the right policies for your business.
- Business Owners Policy: This is a combo of business property insurance and general liability insurance in one policy to meet the needs of your business. This can be useful for small businesses with a physical location and business assets that can be taken or damaged.
- Business Income Insurance: With this insurance, your business can replace income lost when you aren’t able to operate due to a covered property loss, such as after a fire, lightning strike, or theft. It can protect your business from different risks.
- Professional Liability: This insurance will cover your business if you are found negligent with the services you provide. If you work directly with customers to provide a service, you may want to consider this insurance.
- Commercial Auto Insurance: If your business has automobiles, personal auto insurance won’t cover any work-related accidents or damages.
- Data Breach Insurance: Your business faces risks from using technology. This includes hacking and breaching. In order to protect yourself from these risks, many businesses add this insurance. It can help your business respond to breaches and offer protection for a small business owner.
- Property Insurance: If you don’t get a business owner’s policy, you can still get property insurance on your own if your business inhabits a space, and you have assets to protect, such as work equipment.
life
There are many types of life insurance policies to fit individual needs and circumstance. The following are some of the basic types of life insurance policies available in Ohio.
Term Life Insurance - The simplest form of life insurance. You purchase coverage for a specific price for a specified period. If you die during that time, your beneficiary receives the value of the policy. There is no investment component.
Whole Life Insurance - Similar to term insurance, but you purchase the Whole Life Insurance policy to cover your "whole life" not just a set period. Premiums remain level throughout the life of the policy, and the company invests at least a portion of your premiums. Some firms share investment proceeds with policyholders in the form of a dividend. Many companies will offer "a relatively low guaranteed rate of return," but in reality pay at a rate in excess of the guarantee.
Universal Life Insurance - You decide how much you want to put in over and above a minimum premium. The company chooses the investment vehicle, which is generally restricted to bonds and mortgages. The investment and the returns go into a cash-value account, which you can use against premiums or allow to build.