Protect the Work You’ve Built—In the Field or on the Job
Built to protect what you work hard for.
Whether you manage acres of farmland or operate a local business, your insurance should reflect what’s really at stake. From livestock and equipment to buildings, liability and revenue, we’ll help you get coverage that protects your investment and keeps things running—even when life throws a curveball.
We work with Ohio-based carriers and national providers to help business owners and farmers get the protection they need, without overcomplicating the process.
What We Cover
Business & Farm Coverage Options We Offer
Small Business Insurance
Property, liability, commercial auto, business income
Farm Insurance
Dwellings, barns, machinery, livestock, crop storage & more
Depending on your situation, we can customize your protection to include:
General Liability
Commercial Property
Inland Marine (tools, equipment in transit)
Workers’ Compensation (as required by Ohio)
Business Interruption
Farm Structures & Outbuildings
Farm Equipment & Tractors
Farm Auto Policies
Livestock Coverage
Umbrella / Excess Liability
Why It Matters
Coverage That Works as Hard as You Do
Business and farm insurance isn’t just about checking boxes. It’s about staying open after a storm, protecting your livelihood from lawsuits, and covering your equipment so you don’t lose time when something breaks down.
We’ll help you think through risks specific to your operation, like:
Property damage
Liability if someone gets hurt
Equipment failure
Employee or customer lawsuits
Auto accidents on the job
Loss of income after a covered event
Why Work With Us
Local Experience. Industry Know-How.
We’ve worked with business owners and farmers across Ohio who want coverage that makes sense—not a generic policy that leaves gaps. As an independent agency, we can:
Shop multiple carriers to find the best value
Customize your policy based on how you actually operate
Stay connected as your operation grows or changes
Help with annual reviews, certificates of insurance & policy service
Let’s Talk About Your Operation
Need to insure a new venture? Review an existing policy? Replace a one-size-fits-all plan? We’re ready to help you build a smarter strategy.
Business & Farm Insurance FAQs
What’s a Business Owners Policy (BOP)?
A BOP bundles general liability and commercial property coverage into one plan—great for small businesses like shops, offices, and service providers. It’s flexible, affordable & easy to manage.
Do I need workers’ comp for my business?
If you have employees, yes—Ohio law requires workers’ compensation. We can help you understand the process and how to stay compliant.
What kind of insurance do I need for my farm?
Most farms need a package that includes property (barns, house, equipment), liability, and sometimes livestock or product liability. We’ll help you build a policy that reflects the way your farm operates.
Is my farm equipment covered if it breaks down?
It depends on the cause of the breakdown. Some policies offer equipment breakdown or inland marine coverage for mobile machinery. We'll walk you through the options.
Can I insure tools or materials I transport between job sites?
Yes. That’s typically covered under inland marine or contractor's equipment insurance. We regularly help contractors, electricians & other service pros protect their gear.
I run a business from home. Will my homeowners insurance cover it?
Not fully. You may need endorsements or a small business policy to properly protect business-related assets or liability. We can review what you have and fill any gaps.
What if my business or farm grows—can I update coverage?
Absolutely. We recommend reviewing your coverage annually or any time you add buildings, vehicles, employees, or expand operations. We make changes easy and fast.
