Business Insurance
That Works as Hard as You Do
Built for Local Businesses, Backed by Local People
From mom-and-pop shops to multi-location operations, we understand that small businesses need flexible, affordable insurance — without the corporate red tape. As a local agency based in Kalida, we work closely with businesses across Columbus Grove, Ottawa, Cloverdale, and surrounding areas to protect their people, property, and future.
What We Offer
Business Owners Policy (BOP)
A bundled policy that combines general liability and commercial property insurance — ideal for small and mid-size businesses looking for comprehensive coverage in one package.
General Liability Insurance
Protects your business from third-party claims related to bodily injury, property damage, or advertising injury. A foundational policy for almost every business.
Commercial Property Insurance
Covers your building, office, equipment, inventory, and furniture from damage caused by fire, theft, weather, or vandalism.
Commercial Auto Insurance
Whether it’s one delivery van or a full fleet, we’ll help you insure vehicles used for business purposes, along with any employees behind the wheel.
Workers' Compensation Coverage
Required in most cases, this policy helps cover medical bills and lost wages if an employee gets injured on the job.
Commercial Umbrella Insurance
Adds extra liability protection when your other business policy limits are maxed out — ideal for growing operations or those with higher risk exposure.
Surety Bonds
Offer your clients confidence that you'll fulfill your contractual obligations — required for many construction, service, and government contracts.
Personal Umbrella Liability Insurance
From fishing boats to jet skis, we offer watercraft coverage that includes property damage, theft, and liability — so you can focus on fun.
Recreational Vehicle Insurance
Coverage for snowmobiles, ATVs, side-by-sides, and other off-road vehicles. Ideal for seasonal use or year-round adventures.
Why Businesses Choose Our Agency
We’re not just here to quote a policy — we’re here to learn how your business works. We want to know if you handle inventory, hire seasonal help, use heavy equipment, or work on client property — because those details matter when it’s time to protect your investment.
From contractors and retail shops to farm-based enterprises and local services, we bring a small-town work ethic to every business insurance conversation we have.
Frequently Asked Questions
Do I need business insurance if I work from home?
Yes — your homeowners policy likely won’t cover business-related equipment, liability, or inventory. We’ll help you understand the gaps.
What’s the difference between a BOP and separate policies?
A BOP is a convenient, often more affordable way to combine core business protections. We’ll compare it to standalone options and see what works best.
Is commercial auto insurance required if I use my personal vehicle for business?
Yes — most personal auto policies exclude business use. We’ll help you get the right coverage.
What’s a surety bond and do I need one?
A surety bond guarantees performance or compliance — often required in construction, contracting, or government work. We’ll let you know if it applies to your industry.
Let’s Get Your Business Covered Right
Whether you’re starting something new or fine-tuning your current policy, we’re here to help you feel confident and covered — every step of the way.