Business Insurance
Commercial coverage that survives a real claim.
I spent years inside complex commercial accounts before I became a producer, which means I know where these programs break: missing endorsements, wrong class codes, limits that looked fine until a contract required more. Bring me your renewal and I'll show you what I see.
A commercial program built around how you actually run the place.
Not a class code and a premium — a program.
Liability & Property
General liability, commercial property, professional liability and cyber, written so the certificates your customers demand hold up under review.
Vehicles & Equipment
Commercial auto, hired and non-owned exposure, tools and inland marine — rated on real radius, drivers and equipment values.
People & Payroll
Workers' compensation classification reviews, experience modification checks, and umbrella limits that match your largest contract.
Every line I place for local businesses.
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General Liability
Third-party bodily injury and property damage, products and completed operations, plus the additional insured and waiver of subrogation wording your contracts require.
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Commercial Property
Building and contents at realistic replacement values, business income and extra expense, plus ordinance or law for older Cincinnati buildings.
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Commercial Auto
Owned fleets, hired and non-owned exposure for employee vehicles, and higher liability limits where you cross state lines into Kentucky and Indiana.
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Workers' Compensation
Ohio BWC coordination and monopolistic-state guidance, Kentucky market placement, classification audits, and employers liability limits that satisfy contract requirements.
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Cyber Liability
Ransomware response, funds-transfer fraud, notification costs and business interruption — the exposure that grew fastest for small businesses and is still the most commonly skipped.
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Professional Liability
Errors and omissions for consultants, agencies, design professionals and service firms, including prior acts coverage when you switch carriers.
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Commercial Umbrella
Excess limits over general liability, auto and employers liability — usually the cheapest way to meet a large customer's insurance requirements.
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Specialty & Hard-to-Place Risks
Loss history, unusual operations, high-hazard classes, or a mid-term non-renewal. This is the work I came from, and the accounts I most enjoy solving.
Don't see your industry?
That's okay. These are specialties, not limitations. I work with businesses across a wide range of industries and have access to standard and specialty insurance markets.
Renewal coming up?
Send it over 60 to 90 days out and there's time to market it properly. Please use the secure intake option for loss runs and payroll data rather than email or text.