Products/Services
Personal Insurance
You have made an investment in your home, furniture, personal belongings, even your identity with Identity Theft Protection. So whether you own your home, condo, or rent – we can design a policy that protects you and your assets.
By law in the state of Ohio, each automobile you own and operate must have appropriate insurance coverage. As an independent insurance company, we will evaluate your personal auto situation and recommend coverage that fits your requirement, meeting all state regulations. Coverage can be written for both personal and business vehicles. Download this pdf to learn more about auto insurance.
Depending on your personal or business circumstance, it may be appropriate for you to have a personal umbrella policy that will protect you from claims in excess of the limits of your primary automobile and homeowner policies, and for some claims which may be excluded by these primary policies. Talk to one of our trained professionals who can evaluate your need and make a recommendation to fit your requirements.
Marine insurance is designed to provide you with appropriate property damage or hull coverage for your boat, yacht or other sailing vessel. Depending on the coverage selected, some policies may also cover small inboard motors and other personal property such and fishing equipment, etc.
Even though you may not own a home but are renting or leasing a dwelling, it is important for you to have insurance coverage for your contents. This personal line of insurance is expressly designed for apartment and condo renters. The coverage is a self-contained package with endorsements available to add or increase coverage as may be necessary based on your personal circumstances.
Typically, coverage schedules for valuables such as jewelry, fine art, firearms and other collectibles is limited in standard homeowner or renter policies. Separate personal property endorsement policies can be added to insure that such items are fully covered. One of our professional agents can review your personal property with you and recommend the appropriate coverage for your individual situation.
Business Insurance
Whether you own a small farm less than 100 acres, a horse farm, hog or poultry operation, or a large family corporation – we provide the protection you need for your home, buildings, farm personal property, and liability under one policy. Even specialty coverage such as pollution liability, peak season crop, and milk contamination.
A commercial property policy provides coverage for real and personal property that is used in a business. Our trained business insurance professionals can sit down with you as a business owner and assess your total needs then recommend a comprehensive package based on this evaluation.
All vehicles used by your business must be have liability insurance in accordance with the laws of the State of Ohio. As an independent insurance agency, we will evaluate your commercial vehicle situation and recommend coverage that fits your requirement, meeting all state regulations.
A commercial general liability policy provides comprehensive general liability coverage for commercial risks covering all liability exposures for all locations, and causes of loss except those specifically excluded or limited either within the coverage form or by endorsement. Protection may be provided on either an occurrence type of policy or on a claims-made basis.
In general, a surety bond guarantees the performance of a contract, often associated with construction work, but possibly for almost any other kind of contract. Surety bonds are sometimes called performance bonds.
In the event of a business loss resulting from dishonest acts of employees, a fidelity bond will provide coverage that will reimburse a business for such a loss. A fidelity bond may be written to cover specific employees or all employees, depending on your business circumstance, using either a schedule or blanket basis, or by scheduling positions versus named individuals. If the nature of business exposes you to potential theft losses by employees, you may want to consider a fidelity bond to offset that risk.
© 2009 Community Insurance Group, LTD. |