Insurance Agency of Ohio

The Benefits of Working with a Local Insurance Agency

Tue, 07 Apr 2026 15:33:39 GMT

Choosing the right insurance partner can feel overwhelming, especially when policies, coverage options, and industry terminology become complex. While national providers and online platforms may seem convenient, there is a strong case for working with a local insurance agency that understands your unique needs and environment. Local agencies offer a more personalized, relationship-driven experience that can make a meaningful difference in how you protect your home, business, and future. By combining industry expertise with community insight, they provide guidance that goes beyond basic coverage and into long-term security and peace of mind.

Personalized Service

One of the most valuable benefits of working with a local insurance agency is the level of personalized service you receive. Unlike larger, impersonal providers, local agents take the time to understand your specific situation, goals, and concerns. This relationship-focused approach allows them to recommend coverage options that align with your lifestyle rather than offering one-size-fits-all policies.

A local agent often becomes a trusted advisor over time, learning about changes in your life and adjusting your coverage accordingly. Whether you are purchasing a home, starting a business, or expanding your family, they can guide you through each transition with tailored recommendations. This level of attention ensures that your coverage evolves with you, rather than remaining static or outdated.

Additionally, communication tends to be more direct and accessible. Instead of navigating automated systems or long wait times, you can often speak directly with someone who knows your account and understands your needs. This creates a smoother, more reassuring experience when questions or concerns arise.

Community Knowledge

A local insurance agency brings a deep understanding of the community it serves. This includes knowledge of regional risks, local regulations, and environmental factors that can impact your coverage needs. For example, agents familiar with your area are better equipped to recommend policies that address weather-related risks, property considerations, or business requirements specific to your location.

This local expertise allows for more accurate and relevant coverage recommendations. Rather than relying solely on generalized data, agents can incorporate real-world insights gained from working within the same community. This can be especially important when evaluating potential risks and ensuring that your policy provides adequate protection.

Community knowledge also extends to relationships with local service providers. In the event of a claim, a local agent may be able to connect you with trusted contractors, repair specialists, or other professionals who can help resolve the situation efficiently. This network of local resources adds an extra layer of support that national providers may not offer.

Claims Support

Filing an insurance claim can be a stressful experience, particularly when dealing with unexpected events or losses. Working with a local insurance agency can make this process significantly more manageable. Instead of navigating the claims process alone, you have a knowledgeable advocate who can guide you every step of the way.

Local agents often assist with documenting the claim, communicating with the insurance carrier, and ensuring that all necessary information is submitted accurately. Their familiarity with the process helps prevent delays and reduces the likelihood of complications. This hands-on support can be invaluable during challenging situations when clarity and efficiency are essential.

Moreover, a local agent can provide updates and answer questions in real time, offering reassurance and transparency throughout the process. This level of involvement helps build trust and ensures that you feel supported, rather than overwhelmed, during a claim.

Coverage Flexibility

Another advantage of working with a local insurance agency is the flexibility they offer when it comes to coverage options. Many local agencies work with multiple insurance carriers, allowing them to compare policies and find the best fit for your needs. This broader access to options can result in more customized and cost-effective solutions.

Rather than being limited to a single provider’s offerings, a local agent can explore a range of policies to identify the most suitable coverage. This includes evaluating different levels of protection, endorsements, and pricing structures to ensure that you receive comprehensive coverage without unnecessary expenses.

Flexibility also means that adjustments can be made more easily as your needs change. Whether you need to update your policy, add coverage, or explore new options, a local agent can respond quickly and efficiently. This adaptability ensures that your insurance remains aligned with your current circumstances.

Long-Term Relationships

Building a long-term relationship with a local insurance agency can provide lasting benefits that extend beyond individual policies. Over time, your agent gains a deeper understanding of your preferences, priorities, and risk profile. This familiarity allows them to anticipate your needs and offer proactive guidance.

A strong relationship fosters trust, which is essential when making important financial decisions. Knowing that you have a reliable advisor who is invested in your well-being can provide confidence and peace of mind. This connection also encourages open communication, making it easier to discuss concerns or explore new coverage options.

Additionally, long-term relationships often lead to more consistent service. Instead of starting from scratch with each interaction, your agent already has a comprehensive understanding of your history and can provide more efficient and informed assistance. This continuity enhances the overall experience and ensures that your coverage remains cohesive over time.

Industry Expertise

Insurance is a complex field with a long and fascinating history. According to Lloyd’s Register, the term “underwriter” began in the 17th century at Edward Lloyd’s Coffee House in London, where investors signed beneath risk details to insure voyages. This historical context highlights the longstanding importance of assessing and managing risk, a principle that remains central to the industry today.

A local insurance agency brings this expertise into a modern, accessible format. Agents stay informed about industry trends, policy changes, and emerging risks, allowing them to provide accurate and up-to-date guidance. Their knowledge helps you navigate the complexities of insurance with greater confidence and clarity.

This expertise is particularly valuable when evaluating coverage options or understanding policy details. Insurance documents can be difficult to interpret, but a knowledgeable agent can break down the information into clear, understandable terms. This ensures that you fully comprehend your coverage and can make informed decisions.

Furthermore, local agents often pursue ongoing education and training to maintain their expertise. This commitment to professional development ensures that they remain well-equipped to address your needs and provide high-quality service.

Working with a local insurance provider offers a range of advantages that go beyond basic coverage. From personalized service and community knowledge to claims support and flexible options, a local insurance agency provides a comprehensive approach to protecting what matters most. By building strong relationships and leveraging industry expertise, local agents create a more supportive and effective insurance experience.

In a world where convenience often comes at the cost of connection, choosing a local agency allows you to benefit from both professional guidance and personal attention. This combination ensures that your coverage is not only appropriate for your needs but also adaptable as your life evolves. Ultimately, partnering with a local agency is an investment in both protection and peace of mind.

At Insurance Agency of Ohio, we are committed to helping you find the right coverage with guidance you can trust. We take the time to understand your needs, offer tailored solutions, and support you every step of the way so you can feel confident in your protection.

How Working With a Reputable Insurance Agency Can Save You From Stress and Headaches

Mon, 09 Feb 2026 20:51:49 GMT

Navigating the world of insurance can feel overwhelming for individuals, families, and business owners alike. Policies often include unfamiliar terminology, complex conditions, and coverage options that vary widely depending on individual circumstances. Without proper guidance, it is easy to purchase insufficient coverage or overpay for protection that does not meet your needs. Working with a reputable insurance agency can simplify the entire process while helping you make confident, informed decisions.

Insurance is designed to provide financial security and peace of mind, but confusion surrounding policies often creates unnecessary stress. When you partner with a professional insurance agency, you gain access to experienced advisors who can interpret policy language, explain coverage options, and advocate for your best interests. This article explores how choosing the right professionals can help you avoid common pitfalls and enjoy a smoother insurance experience.

How To Choose the Right Insurance Agency

Selecting the right insurance agency is one of the most important steps toward securing dependable coverage. Not all agencies provide the same level of service, expertise, or product offerings. Understanding what to look for can help you identify an agency that prioritizes your needs and long-term protection.

Reputation plays a crucial role when evaluating potential agencies. A well-established insurance agency typically has a track record of customer satisfaction, transparency, and reliable support. Reading online reviews, asking for recommendations, and checking industry credentials can provide valuable insight into an agency’s reliability and professionalism.

Customer service is another essential factor to consider. Insurance decisions often require detailed discussions and personalized recommendations. A responsive insurance agency will take the time to answer your questions, explain coverage details, and remain accessible when you need assistance. Agencies that emphasize communication demonstrate a commitment to building long-term client relationships.

The range of available products also influences your decision. A comprehensive insurance agency can offer multiple policy types, including auto, home, life, business, and specialty coverage. Agencies with diverse offerings are better equipped to create customized protection plans that evolve alongside your changing needs.

What Are the Benefits of Working With a Reputable Insurance Agency?

Partnering with a reputable insurance agency offers numerous advantages beyond simply purchasing a policy. One of the most significant benefits is access to expert guidance. Insurance professionals stay informed about industry trends, regulatory changes, and emerging risks that could impact your coverage requirements.

Personalized service is another major advantage. Instead of relying on generic online quotes or automated recommendations, an insurance agency evaluates your unique circumstances. Advisors analyze factors such as lifestyle, financial goals, property value, and potential risks to design tailored coverage solutions. This level of customization helps eliminate gaps in protection that could result in costly financial losses.

Peace of mind is perhaps the most valuable benefit of working with experienced professionals. Knowing that your coverage has been carefully selected and reviewed by a knowledgeable insurance agency allows you to focus on daily responsibilities without constantly worrying about potential risks. Clients often feel more confident making major life decisions, such as purchasing a home or expanding a business, when they have reliable insurance support.

Insurance can also cover unusual or high-value assets that require specialized protection. For example, according to Lloyds of London, David Beckham reportedly insured his legs for £100 million. While this example represents a celebrity scenario, it highlights the importance of customizing policies to address unique assets and risks. A qualified insurance agency can help identify similar specialized coverage needs for individuals and businesses.

How Can an Insurance Agency Help Me Understand My Coverage Options?

Insurance policies often contain complex language and technical terminology that can be difficult to interpret. Without proper explanation, policyholders may misunderstand their coverage limits, exclusions, or claim requirements. A knowledgeable insurance agency helps translate complicated policy language into clear, understandable information.

Agents begin by evaluating your specific situation and identifying potential risks. They then present coverage options in a way that highlights both advantages and limitations. This detailed explanation allows you to make informed decisions based on your priorities and financial goals.

A professional insurance agency also helps you compare policy options across different providers. Each insurer offers varying coverage levels, deductibles, and premium structures. Agents analyze these differences and recommend policies that balance affordability with adequate protection. This guidance helps clients avoid selecting policies based solely on price, which can lead to insufficient coverage.

Regular policy reviews are another way agencies improve client understanding. As life circumstances change, coverage needs often shift as well. Marriage, homeownership, business growth, or retirement may require updated insurance plans. A proactive insurance agency schedules periodic reviews to ensure policies remain aligned with evolving needs.

Will an Insurance Agency Assist in Filing Claims and Handling Issues?

Filing an insurance claim can be one of the most stressful experiences policyholders face. Whether dealing with property damage, vehicle accidents, or business interruptions, the claims process often involves extensive documentation and communication with insurance carriers. A dependable insurance agency provides valuable support throughout this process.

Agents guide clients through claim-filing procedures, ensuring that all necessary documentation is submitted accurately and promptly. They explain timelines, required evidence, and potential outcomes, helping reduce uncertainty during an already challenging situation. By assisting with paperwork and communication, an insurance agency helps prevent delays or claim denials caused by incomplete information.

Advocacy is another essential service agencies provide during claims. When disputes or complications arise, agents act as intermediaries between clients and insurance carriers. Their industry knowledge allows them to negotiate effectively and seek fair claim resolutions. This representation can significantly reduce frustration and improve overall claim outcomes.

In addition to claims support, agencies help address policy concerns or billing issues. If clients encounter unexpected premium increases or coverage questions, their insurance agency can investigate and provide clarification. Having a trusted professional manage these concerns helps eliminate unnecessary stress and confusion.

Are There Cost Advantages When Working With an Insurance Agency?

Many people assume that working with an insurance agency automatically increases costs. However, agencies often help clients save money by identifying competitive rates and valuable policy bundles. Insurance professionals maintain relationships with multiple carriers, allowing them to compare pricing and coverage options across various providers.

Bundling policies is one of the most common cost-saving strategies. When clients combine home, auto, or business coverage through a single insurance agency, they often qualify for discounted premium rates. Agents also evaluate deductibles, coverage limits, and policy features to ensure clients receive maximum value for their investment.

An experienced insurance agency helps clients avoid costly coverage gaps. Insufficient protection can lead to substantial out-of-pocket expenses during unexpected events. By carefully analyzing risk exposure and recommending appropriate coverage levels, agencies help protect clients from financial setbacks that may exceed initial premium savings.

Insurance professionals also monitor policy changes and market trends that could affect pricing. If better rates or improved coverage options become available, agencies notify clients and recommend adjustments. This ongoing oversight helps ensure that clients continue receiving competitive pricing without sacrificing protection quality.

Another financial advantage involves risk management education. Agencies often provide safety recommendations, property maintenance guidance, and loss prevention strategies that reduce the likelihood of claims. Preventing incidents not only protects clients but may also lead to lower premiums over time.

Working with a reputable insurance agency transforms insurance from a complicated obligation into a manageable and supportive experience. With expert guidance, personalized recommendations, and dedicated claims assistance, an insurance agency helps reduce stress while ensuring comprehensive protection. By partnering with knowledgeable professionals, individuals and businesses gain confidence that their coverage meets both current needs and future challenges. If you're looking for a reputable insurance agency, reach out to Insurance Agency of Ohio today!

A Brief History of Life Insurance

Fri, 26 Dec 2025 13:12:05 GMT

Life insurance is a cornerstone of modern financial planning, yet its story stretches back centuries before it became the familiar product people rely on today. From ancient risk-sharing arrangements to the sophisticated coverage options offered by today’s insurance provider networks, life insurance has evolved into a powerful tool for protecting families, stabilizing markets, and preparing for the unexpected. Understanding where it came from and how it grew helps illustrate why it has become such a vital component of financial security in households around the world.

What Is Life Insurance?

At its most basic level, life insurance is a contract between an individual and an insurance provider in which the insurer promises to pay a designated benefit to beneficiaries when the policyholder passes away. This agreement offers financial protection to loved ones and helps manage the economic impact of loss. While policies vary widely, every form of life insurance revolves around the same essential idea: transferring risk from an individual to an insurance provider that is structured to absorb and manage that risk.

The value of life insurance extends beyond the payout itself. For many families, it creates stability by helping cover debts, funeral costs, mortgage payments, or even future college expenses. For others, it functions as a long-term financial tool, offering cash-value accumulation, investment components, or estate planning benefits. An insurance provider may tailor policies to accommodate different needs, budgets, and goals, ensuring that coverage remains accessible and relevant across various stages of life.

How Did Life Insurance Develop Over Time?

Although the modern life insurance provider model feels inherently contemporary, the roots of risk-pooling date back to ancient civilizations. Early forms of shared financial responsibility appeared in Babylon, Rome, and China, where groups contributed to mutual aid pools designed to care for families after a member’s death. These arrangements were precursors to today’s structured policies, reflecting humanity’s long-standing desire to protect loved ones from hardship.

A major milestone in the transition from informal risk-sharing to formal insurance came during the rise of merchant trading in Europe. With longer trade routes came higher risks, and merchants sought ways to minimize potential financial losses. This environment set the stage for more organized financial instruments, including early variations of life insurance.

According to research reported by Britannica Money, the earliest documented life insurance policy was issued in London on June 18, 1583. Rather than acting as an insurance provider in the modern corporate sense, the issuer was part of a small financial group that agreed to pay a sum if a specific individual died within one year. While rudimentary, this policy marked a turning point by establishing the structure that would eventually evolve into today’s global life insurance industry.

By the 18th and 19th centuries, life insurance began flourishing in Europe and the United States. Companies developed actuarial science—the mathematical study of risk and life expectancy—which allowed an insurance provider to calculate premiums more accurately and operate sustainably. As industrialization expanded, so did demand for financial protection, leading to the rise of major insurers who shaped the foundation of the market we recognize today.

Who Are the Major Life Insurance Providers?

The life insurance industry now spans the globe, with many established companies serving millions of policyholders. While specific rankings shift based on metrics such as revenue, policy volume, and customer satisfaction, several major insurers consistently influence the direction of the market. Each insurance provider plays a role in strengthening industry standards, advancing technology, and offering innovative new products.

Some of the largest companies in the United States and worldwide are known for their financial stability, extensive product lines, and longstanding reputations. These insurers often maintain strong credit ratings and deep reserves, reassuring customers that a trusted insurance provider will be able to honor claims far into the future. Their leadership has also prompted advancements in underwriting techniques, digital policy management, customer service tools, and flexible coverage solutions.

In addition to established giants, a new wave of technology-driven companies has entered the market. These newer firms use digital platforms to streamline applications, automate underwriting, and simplify communication with policyholders. Whether traditional or modern, each insurance provider contributes to making life insurance more accessible and tailored to the evolving expectations of consumers.

What Are the Different Types of Life Insurance Policies?

Life insurance policies vary widely, allowing individuals to choose the form of protection that aligns best with their personal and financial goals. Understanding these categories helps consumers evaluate which coverage is right for their family or business needs.

Term life insurance is one of the most straightforward options. It provides coverage for a set number of years and pays benefits only if the policyholder dies during that term. Because of its simplicity, an insurance provider can offer term policies at relatively low premiums, making them attractive to young families or those seeking temporary financial protection.

Permanent life insurance, which includes whole life and universal life, offers lifelong coverage as long as premiums are paid. These policies typically build cash value—a component that grows over time and can be borrowed against or withdrawn. With permanent products, an insurance provider combines risk protection with long-term financial planning tools, offering stability and asset-building opportunities.

Another option is variable life insurance, which incorporates investment features. Policyholders can allocate their premiums into investment sub-accounts, enabling potential growth but also carrying increased risk. In these policies, an insurance provider manages administrative aspects while consumers participate more directly in the performance of financial markets.

Finally, many insurers now offer hybrid or customizable solutions, allowing individuals to select riders and add-ons that match their priorities. Whether someone needs income replacement, wealth accumulation, or estate planning support, an insurance provider can craft coverage suited to diverse circumstances.

Why Is Life Insurance Important?

Life insurance plays a crucial role in personal financial strategy. It provides peace of mind by ensuring that a family will be financially supported even after an unexpected loss. This safeguard becomes particularly important for households with dependents, mortgages, student loans, or business obligations. By shifting financial risk to an insurance provider, individuals can focus on building their futures rather than fearing unforeseen hardships.

Beyond family protection, life insurance can assist with long-term planning. Many people use certain policy types to help manage taxes, transfer wealth, and secure retirement income. Businesses rely on coverage to protect key personnel, fund buy-sell agreements, or ensure continuity during unexpected transitions. In each scenario, an insurance provider serves as a partner in preserving financial stability.

Life insurance also contributes to broader economic stability. Premiums collected by insurers are often invested in bonds, infrastructure projects, and other financial instruments, helping strengthen local and national economies. Each insurance provider participates in this cycle, creating a supportive financial ecosystem that benefits society as a whole.

Life insurance has traveled a long and meaningful path from ancient mutual aid groups to the complex and reliable systems offered by today’s insurance provider networks. By examining its origins, exploring its evolution, and considering the wide range of policy options now available, it becomes clear that life insurance is far more than a financial product. It is a legacy of protection, planning, and responsibility—one that continues to provide security for families and future generations across the world. If you're looking for life or business insurance, reach out to the professionals at Insurance Agency of Ohio today!

Insurance Agency of Ohio Honored by Conway Center

Mon, 21 Nov 2022 16:36:00 GMT

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8 Steps for Buying Life Insurance

Tue, 22 Dec 2020 15:37:00 GMT

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How to choose the right type of life insurance

Tue, 22 Dec 2020 15:21:00 GMT

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Insuring a High-Valued Home

Mon, 16 Nov 2020 02:42:00 GMT

The average home in Franklin county is worth $155,000. Most insurance agencies are used to insuring the “average” home.

If your home is significantly above “average” your insurance agent might not be used to dealing with the issues facing someone who owns a home worth significantly more.

Here’s 5 things to look for when insuring your high-valued home:

1.) Is it insured for enough? Higher valued homes tend to contain custom features. Sometimes, significantly custom features. Most insurance companies use a software “calculator” to come up with the value your home should be insured for. Even though these “calculators” have increased factors for higher valued homes, they still tend to use numbers for a “typical” higher-valued home, and your home most likely has at least a few non-standard features. (think hand-crafted imported tiles, custom hand hewn beams, oddly shaped swimming pools, etc).

2.) Fine art and jewelry. You most likely own some significantly valuable pieces. If your current or prospective agent is asking for updated appraisals on these items, that’s a red flag. The market for fine art and jewelry can jump drastically in a short period of time. These items need to have updated appraisals. If you haven’t been asked for recent appraisals, take a hard look at what these items are being insured for.

3.) Liability limits. Most homeowners policies come standard with $100,000 of personal liability. Most companies will offer options for increased limits of $300,000 or at most $500,000. You most likely need significantly higher limits than that as your home itself is worth more than that. An umbrella policy (or an excess liability policy) can provide personal liability limits in excess of the the primary liability limits on your homeowners policy. If you have very significant assets, it may be necessary to get more than one company to provide enough excess liability limits to cover your net worth.

4.) Insure your toys properly. Local insurance companies just aren’t equipped to handle the types of toys owned by high net worth homeowners. Vacation cabins in remote locations, exotic cars, custom vehicles, boats and yachts used in international waters. These are all examples where you definitely want to deal with a company that insures a lot of high valued clients. Their ability to serve you in a claim situation will be much better than the company that insures “average valued” homes.

5.) Claims. The most important part of the insurance process. Insurance agencies and companies that insure a lot of high valued items are more comfortable dealing with a loss to a high valued home. They understand your needs are greater than an average homeowner. They have a better feel for the value of the items in your home, the requirements you’ll want in temporary housing, rental vehicles, etc.

These are just a few things to consider if you are a high value homeowner. If your current agent is not talking to you about these things, give a us call . We understand your needs and will make sure you have superior insurance coverages for your anything but average home.

About Insurance Agency of Ohio

Insurance Agency of Ohio is a trusted and well-respected family-owned independent insurance agency in Worthington, Ohio. The agency has been protecting their central Ohio clients with comprehensive insurance programs for over 50 years. Insurance Agency of Ohio specializes in preferred personal insurance, business insurance, home health care, construction, manufacturers, dentists, workers compensation and insurance risk transfer programs.

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10 Tips to Improve Construction Site Security

Thu, 30 Jan 2020 13:49:00 GMT

By Troy Dohmeyer

Equipment and material theft is a major source of loss for contractors. While insurance may offset some of the financial costs, many uninsured costs – deductibles, replacing depreciated items with new equipment, production delays, paperwork and time to report and replace stolen equipment – are paid by contractors.

Good planning is essential to construction site security, preventing theft of valuable construction materials and tools.

General contractors and subcontractors can benefit from these 10 tips to improve site security:

Create a job site security plan before the project commences. Have a written security policy, and a security plan specific to the job site.
Assign supervisory security responsibilities, and encourage security awareness among all workers. Contact the local police and fire departments before starting a job to establish cooperative efforts. Establish contact with management of neighboring properties, and encourage them to report suspicious activities.
Identify assets and property onsite, then inventory and track them regularly.
Secure the site perimeter with proper fencing as a first line of defense, and maintain a clear zone adjacent to fencing.
Lock up materials, secure vehicles and equipment and install hidden kill switches to disable ignitions.
Control site access by establishing – and monitoring – only one access point. Consider limiting vehicle access. Provide parking areas outside of the site for employees and visitors.
Light up the job site to effectively deter theft and vandalism.
Ask employees and subcontractors to also take responsibility for a secure site and to immediately report any incidents of theft or vandalism.
Consider using security guards and have them patrol the site. Provide them with a means of communication.
Consider installing a video monitoring system to capture vehicle traffic entering and exiting the site.

You can address most of these controls by updating procedures. To help with the rest, consider using a security company that offers instant, portable, wireless monitoring for theft, fire, flood, motion, temperature extremes and more.

For more information about job site security or other construction-related issues, contact Insurance Agency of Ohio for loss control information.

Article Courtesy of Cincinnati Insurance Company. Original article can be found here.

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May I See Your License, Registration, and Smartphone?

Sun, 17 Mar 2019 21:01:00 GMT

With the passage of Ohio Senate Bill 255, effective March 23, 2015, Ohioans can officially use an electronic version of proof of auto insurance.

Joining 31 other states that already allowed electronic proof of insurance, the new law allows motorists to show digital versions of proof of insurance on smartphones, PDAs, tablets, laptops and other portable computing devices.

While few insurance companies have apps that generate an electronic proof of insurance display, there’s a simpler way we’d recommend to you: take a picture of your ID card! This way you will be able to pull up a copy, even if you don’t have a cell signal.

While it’s great that Ohio becomes the 32nd state to allow digital proof of insurance, that means there are 18 states that still do not allow it so we strongly recommend keeping your paper copy of your insurance ID card in your glove box to avoid getting in trouble when traveling.

If you’re interested, here’s the official press release from the Ohio Department of Insurance .

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Coverage for Service Lines

Sat, 09 Jun 2018 14:49:00 GMT

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CyberRisk

Fri, 18 May 2018 16:07:00 GMT

Every week it seems there is another announcement of a company being “hacked” and their customers personal information being stolen.

Knowing who is ultimately responsible for these breaches can create enormous headaches and leave business owners uncertain of whether they have a liability, and whether that will be covered by insurance.

The best way to protect your company is to buy a specific cyber liability insurance policy that addresses the unique circumstances that can occur in a data breach.

Here’s a short video from one of our insurance company partners, Travelers, that helps to explain the risk of cyber liability:

If your business keeps customer information (and what business doesn’t?) you should talk to us about making sure your liability is properly insured. Contact Us

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Severe Weather Claims Reporting

Mon, 13 Jul 2015 16:46:00 GMT

If you are ever unable to reach our office to report a claim during sever weather, we welcome you to contact your insurance company and report your claim directly. Below are the phone numbers and websites for the companies we represent.

Of course you may also contact our claims manager, Sue Taylor at (614) 848-3000 sue@iaofohio.com

You can also find a list of our companies’ claims websites on the Insurance Agency of Ohio website .

Call or Click Name Below to Report a Claim Online

Cincinnati Insurance 877-242-2544

CNA 877-262-2727

Philadelphia 800-765-9749

Progressive – 800-776-4737

Safeco 800-332-3226

State Auto 800-766-1853

Travelers 800-252-4633

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Driving Laws for Teenagers

Thu, 02 Jul 2015 15:44:00 GMT

Motor vehicle crashes are the leading cause of death for teenagers. According to the CDC:

Young people ages 15-24 represent only 14% of the U.S. population. However, they account for 30% ($19 billion) of the total costs of motor vehicle injuries among males and 28% ($7 billion) of the total costs of motor vehicle injuries among females.

The State of Ohio has recently passed new rules on teen driving (effective July 1, 2015) which provide stricter limitations on newly licensed teen drivers.

The new rules are:

Restrictions on driving times and the number of passengers during first 12 months of driving

Beginning July 1, 2015, drivers issued a probationary license will face restrictions on when they can drive and how many passengers are allowed in the car while driving based on experience, instead of age. This change is a result of Ohio’s “Drive Toward a Safer Ohio” Initiative and is an effort to increase the level of experience for Ohio’s young drivers.

Probationary drivers under the age of 18 will have the following restrictions during the first 12 months with a license:

No driving between midnight and 6 a.m., unless that driver is accompanied by a parent or a guardian. Those with valid documentation from work, school or church allowing for travel for activities between these hours are exempt;
No driving with more than one non-family member in the car;
All passengers must wear safety belts at all times; and
No use of mobile communication while driving.

For more information regarding probationary drivers and new restrictions, visit http://www.drivertraining.ohio.gov .

An official release of the new driving rules can be found at: http://publicsafety.ohio.gov/links/MR2015/2015%20OCJS_GDL_0705update.pdf

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