Companies that we represent:

Commercial Lines

• Accident Fund - Workers Compensation
• Builders Mutual
• Capital Indemnity
• Cincinnati Insurance
• Hanover
• Harford Mutual The Hartford
• Ohio Casualty/Safeco
• Main Street/National Grange
• One Beacon
• Ohio Casualty
• Professional Advocate Ins. Co
• The Doctors Ins Co
• Travelers
• Zurich

Personal Lines

• Agency Insurance Company of Md.
• Chubb
• GMAC
• Hanover
• Metlife
• National Grange/Main Street
• Ohio Casualty
• Progressive
• Travelers

Specialties in Commercial Lines

Contractors - General and Subcontractors

• We write all contractors from small to large including "paper" contractors.
• We have four companies that specialize in writing contractors- Cincinnati, Builders Mutual, Ohio Casualty and National Grange.
• These companies write all lines of coverage from general liability, property, auto, workers compensation and umbrella
• We assist contractors in managing their risk from agreements for their sub contractors to our WGO Audit Program.

Roofing

• Builders Mutual will write all lines of coverage including workers compensation.
• We offer Risk Management programs for Roofers.
• Have a Dividend Program for Workers compensation.

Landscapers

• We have written this class of business for over 30 years and know this business so that we can assist our clients in a cash flow basis with our WGO Audit program.
• All of our companies write this business.

Janitorial

• Hartford, Ohio Casualty, Cincinnati, Travelers and One Beacon write all coverage’s for this line of business.
  Special janitorial coverage’s written by the companies for bailees coverage to lost key coverage
• Assist our clients with our WGO Audit Program

Dentists

• Cincinnati is one of the largest writers of Dentist Professional Liability.
• One of the few companies that offer an occurrence policy.
• Cincinnati has a "buy out" for Claims Made policies.
• No settlement without consent
• Corporation or partnership have separate limits
• Medical waste Defense expenses reimbursement up to $50,000
• Department of Professional Regulation supplementary defense up to $25,000
• Complete coverage for general liability, property, professional liability, umbrella & work comp with one company.
• Local claims representative for dentist.

Medical Malpractice

• We have over 60 years experience and currently have two companies that write this coverage - The Doctors Company and Professionals Advocate Insurance Company.
• We can write all the coverage’s for the medical field from professional liability to general liability, property, auto, umbrella and workers compensation.

These programs are tailored with our insured to meet their needs. We review what they do, what their concerns are, and how they want to handle them. We then do a risk analysis to determine what we can help them with. We write out our suggestions and recommendations to the insured. We then agree on what is to be done to assist them and write those down as a plan. In this plan are dates to meet, discuss changes and monitor how we are doing with the insured.