Coverage for every chapter — personal, business, and everything in between.

Auto Insurance

From your daily driver to a teen's first car, we shop the carriers most likely to give you the right balance of price and protection.

Every Ohio driver is required to carry liability insurance — but the state minimums often aren't enough to actually protect you in a serious accident. We'll walk you through the trade-offs of liability limits, deductibles, collision and comprehensive, uninsured motorist, and gap coverage, and help you choose what fits your situation.

• Standard, classic, and high-risk auto
• Liability, collision, comprehensive, uninsured motorist
• Multi-vehicle and bundle discounts
• SR-22 filings when needed

Homeowners Insurance

Your home is probably the largest purchase you'll ever make. Insure it like one.

A standard homeowners policy covers your dwelling, your stuff, your liability if someone's hurt on your property, and your living expenses if you're displaced. But the details matter — replacement cost vs. actual cash value, water damage limitations, jewelry and electronics sub-limits, and how your policy handles ordinance and law upgrades. We'll go through it with you in plain English.

• Dwelling, contents, liability, loss-of-use
• Replacement cost vs. actual cash value
• Riders for jewelry, art, firearms, electronics
• Bundle discounts with auto

Renters & Condo Insurance

Your landlord's policy doesn't cover your stuff. Yours does.

Renters insurance is one of the cheapest, most useful policies you can buy — typically $15–$25 a month for tens of thousands of dollars in protection. Condo owners need something different: an HO-6 policy that fills the gap between your unit and the master association policy. We'll help you understand what your HOA covers and what it doesn't.

• Personal property protection
• Liability if someone's hurt in your space
• Loss-of-use during covered displacement
• HO-6 condo "walls-in" coverage

Umbrella Insurance

A liability lawsuit can wipe out a lifetime of savings. Umbrella coverage is the inexpensive insurance most people don't realize they need.

An umbrella policy sits on top of your auto, home, and other liability coverage and adds an extra $1M, $2M, or $5M of protection. Premiums are typically just a few hundred dollars a year — and for anyone with assets, kids who drive, a pool, a dog, or any kind of public-facing situation, it's some of the smartest money you'll spend.

Flood & Earthquake

Standard homeowners policies don't cover floods. Most don't cover earthquakes either.

Even if you don't live in a flood zone, FEMA reports that more than 25% of flood claims come from "low-risk" areas. We can write National Flood Insurance Program (NFIP) policies as well as private market alternatives — and add earthquake coverage to your home policy as a separate endorsement.

Life Insurance

The right life insurance pays off the mortgage, replaces years of income, and gives the people you love time to figure out what's next.

We'll help you think through how much coverage you actually need (it's usually more than you think — and less expensive than you fear) and walk through term, whole life, universal life, and final expense options without a sales pitch. We're paid the same regardless of which policy fits.

Term Life Insurance

For most people, term life is the right answer — high coverage, low premium, simple structure.

A term policy pays out if you die during the coverage window (typically 10, 20, or 30 years). It's the most cost-effective way to cover a mortgage, replace income while kids are at home, or provide for a spouse. We'll help you match the term length to your real-life timeline.

Disability Insurance

Your income is your most valuable asset. Disability insurance protects it.

For many working-age adults, the odds of being disabled long enough to interrupt earnings are higher than the odds of dying young. Disability income insurance replaces a portion of your paycheck if illness or injury keeps you out of work — short-term, long-term, or both.

Long-Term Care Insurance

The single biggest threat to most retirement plans isn't the market — it's a long stay in long-term care.

Medicare doesn't cover most long-term care. Medicaid only kicks in after you've spent down nearly everything. Long-term care insurance — or a hybrid life/LTC policy — protects your retirement savings and your family from a six-figure care bill. We'll walk you through traditional and asset-based options.

Comprehensive Retirement Planning

Insurance and investments aren't separate problems. They're two sides of the same plan — and we handle both, in-house.

As a licensed investment advisor, Brock builds full retirement plans that bring together your income strategy, tax planning, risk protection, and estate considerations under one roof. No handoffs to a separate brokerage, no piecing together advice from three different professionals — just one plan, built around your goals.

Whether you're decades away from retirement or already drawing income, we'll help you map out where you stand today, what you'll need tomorrow, and the steps that get you there.

• Retirement income planning
• IRAs, Roth conversions, and rollovers
• Tax-efficient withdrawal strategies
• Estate and legacy planning
• Coordination with your CPA or attorney when needed

Business Insurance

Coverage built for how your business actually runs — not a one-size-fits-all package.

We write coverage for contractors, professional services, restaurants, retail, manufacturing, real estate, and pretty much any small-to-mid-sized Ohio business. A typical Business Owners Policy (BOP) bundles property, general liability, and business interruption — and we add professional liability, cyber, EPLI, and other lines as your situation calls for.

• Business Owner Policies (BOP)
• General & professional liability
• Workers' compensation
• Surety bonds
• Cyber liability

Commercial Auto

If your vehicle is used for work, your personal auto policy probably isn't enough.

Commercial auto coverage protects vehicles used to transport goods, equipment, or people for business purposes. We write everything from a single contractor's truck to a fleet of service vehicles, and we'll help you understand which classification and coverage limits actually apply to your operation.

Landlord Insurance

If you're renting out a property, you need a landlord (or "dwelling fire") policy — not a standard homeowners.

Landlord coverage protects the structure, your liability as the property owner, and lost rental income if the property becomes uninhabitable. We can also help your tenants line up renters insurance so the people inside the building are covered too.

Boat & RV Insurance

Whether it's a bass boat, a cabin cruiser, a Class A motorhome, or a travel trailer — we cover what makes summer worth it.

Boat and RV policies cover physical damage, liability on the water or the road, personal effects, and roadside or on-water assistance. We work with carriers who specialize in recreational vehicles and understand the difference between weekend boaters and full-time RVers.

Motorcycle & Off-Road

Cruisers, sport bikes, ATVs, side-by-sides, classic and collectible cars — we cover the fun stuff too.

Motorcycle and off-road policies are different from auto in important ways: passenger liability, custom parts coverage, gear and accessories, and how the policy handles seasonal use. We'll match you with carriers who actually understand the equipment.