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Find Disability Insurance Agents Near You in Lorain, OH

Browse disability insurance agents serving Lorain, Ohio. Updated 2026-07-14.

The top-rated disability insurance agent in Lorain, Ohio is Neil Elkins - State Farm Insurance Agent, rated 5.0 stars across 362 reviews. Other highly rated options include Charles Chapman - State Farm Insurance Agent, Robert Taylor Insurance (Lorain Office), Chris Arnott Agency Inc.. This directory lists 17 disability insurance agents serving Lorain.

Showing 17 disability insurance agents in Lorain, OHListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Neil Elkins - State Farm Insurance Agent1812 Cooper Foster Park Rd(440) 282-2001
2Charles Chapman - State Farm Insurance Agent4340 N Leavitt Rd F(440) 985-1405
3Robert Taylor Insurance (Lorain Office)2063 N Ridge Rd(440) 277-5191
4Chris Arnott Agency Inc.4789 N Leavitt Rd Suite D(440) 723-2991
5Lighthouse Insurance Agency4789 N Leavitt Rd Suite D(440) 984-3463
6Janasko Insurance562 Broadway(440) 245-6268
7The Liberty Company Insurance Brokers (Formerly Nationwide Insurance: Sam J Saraniti Clu)520 Broadway(440) 776-8900
8Somers Agency LLC5311N N Leavitt Rd Ste 100(440) 324-3447
9Masters Insurance Agency210 W 7th St(440) 244-2253
10Kelley Agency5311 N Leavitt Rd(440) 282-8898
NE
1812 Cooper Foster Park Rd
Neil Elkins - State Farm Insurance Agent
Disability Insurance Agent · Lorain, OH

Neil Elkins - State Farm Insurance Agent serves the Lorain, Ohio, area as a disability insurance agent, helping individuals and families prepare for income loss due to illness or injury. The agency assists clients in understanding how disability coverage can protect earnings during recovery periods. Services are tailored to local residents seeking financial security through personalized policy options. The firm handles short-term disability plans for temporary coverage needs and long-term disability policies for extended protection.

CC
4340 N Leavitt Rd F
Charles Chapman - State Farm Insurance Agent
Disability Insurance Agent · Lorain, OH

Located in Lorain, OH, Charles Chapman - State Farm Insurance Agent serves local homeowners, renters, and small business owners seeking coverage for income loss due to injury or illness. The agency provides disability insurance policies that help replace a portion of earnings when a medical condition prevents work. Policy options are tailored to individual needs, helping clients protect their financial stability. This agent also covers surrounding communities within Lorain County and nearby areas such as Elyria to the east.

RT
2063 N Ridge Rd
Robert Taylor Insurance (Lorain Office)
Disability Insurance Agent · Lorain, OH

Robert Taylor Insurance provides disability insurance services to individuals and businesses in the Lorain, Ohio area. Its offerings include consultation on income protection plans that replace a portion of lost earnings if a client becomes unable to work due to illness or injury. The company assists with policy selection, application, and ongoing service to ensure coverage remains appropriate over time. It works with local employers and self-employed professionals to design plans tailored to varying income levels. It services single-family homes, apartments, retail, and restaurants.

CA
4789 N Leavitt Rd Suite D
Chris Arnott Agency Inc.
Disability Insurance Agent · Lorain, OH

Serving Lorain, Ohio and the surrounding communities of Elyria, Amherst, and Vermilion, Chris Arnott Agency Inc. handles disability insurance agent needs. It assists area residents in protecting their income by arranging policies that provide replacement earnings when illness or injury prevents work. The agency guides clients through the application process, explaining different plan structures. For a typical job, it begins by reviewing an individual’s occupation and current coverage, then presents policy options from various carriers for comparison.

LI
4789 N Leavitt Rd Suite D
Lighthouse Insurance Agency
Disability Insurance Agent · Lorain, OH

Lighthouse Insurance Agency in Lorain, OH distinguishes between one-time policy reviews and recurring service options for ongoing coverage adjustments. Disability insurance agents in this area help clients protect income against illness or injury by evaluating individual needs and policy terms. Ongoing support is available for claim assistance or plan modifications, while one-time consultations focus on initial policy selection. Service runs on a one-time, scheduled, or as-needed basis depending on the client’s preference.

JI
562 Broadway
Janasko Insurance
Disability Insurance Agent · Lorain, OH

Janasko Insurance offers disability insurance agent services in Lorain, OH, focusing on providing income protection plans that replace a portion of lost wages during periods of illness or injury. Its general work involves assessing individual risk profiles and matching clients with appropriate policy options to safeguard their financial stability. This ensures that families can maintain essential expenses and daily living costs when a primary earner is unable to work. During the winter months, the agent helps those concerned about potential workplace accidents from icy conditions or seasonal slowdowns in employment.

LC
520 Broadway
The Liberty Company Insurance Brokers (Formerly Nationwide Insurance: Sam J Saraniti Clu)
Disability Insurance Agent · Lorain, OH

As Lorain County transitions between winter and the busy spring season, residents increasingly seek to protect their income against unexpected illness or injury. The Liberty Company Insurance Brokers, formerly Nationwide Insurance: Sam J Saraniti Clu, serves this community with focused disability insurance agent services from their Lorain office. They assist local workers in evaluating policies that can replace lost earnings during recovery from accidents or serious medical conditions. A typical initial step involves reviewing an individual’s current coverage and household budget to determine a suitable benefit amount.

SA
5311N N Leavitt Rd Ste 100
Somers Agency LLC
Disability Insurance Agent · Lorain, OH

Somers Agency LLC provides individuals with guidance on securing income protection through disability insurance. Based in Lorain, OH, this company specializes in policies that replace a portion of earnings if a client cannot work due to illness or injury. The agency helps clients understand policy terms, waiting periods, and coverage limits to match their specific occupational risks. Its services are available to professionals in a variety of commercial settings, including offices, warehouses, and food service establishments.

MI
210 W 7th St
Masters Insurance Agency
Disability Insurance Agent · Lorain, OH

Masters Insurance Agency in Lorain, OH, provides disability insurance for residents in their own homes, ensuring coverage protects personal income from illness or injury. The agency also offers policies for local businesses, helping commercial clients secure employee protection and stability. Service area includes Lorain and the surrounding communities. By developing tailored plans for each individual or company, the agency supports ongoing financial security. Clients often return for policy reviews and adjustments between regular visits, maintaining updated coverage as life circumstances evolve.

KA
5311 N Leavitt Rd
Kelley Agency
Disability Insurance Agent · Lorain, OH
DJ
211 W 8th St
D J Kwilecki Associates Insurance
Disability Insurance Agent · Lorain, OH
(440) 246-2680
PI
112 E 19th St
Pfister Insurance
Disability Insurance Agent · Lorain, OH
(800) 237-7595
pfisterinsurance.com
HI
4200 Oberlin Ave
Huntington Insurance
Disability Insurance Agent · Lorain, OH
(330) 946-5257
huntington.com
EB
713 Broadway
EZ Bonds Plus Insurance LLC
Disability Insurance Agent · Lorain, OH
(440) 323-6383
ezplusinsurance.com
PH
6145 Park Square Dr Suite 4
Princeton Harriman Insurance Solutions
Disability Insurance Agent · Lorain, OH
(941) 444-0162
princetonharriman.com
ES
6111 S Broadway Suite 4
Ellis & Smith Group LLC
Disability Insurance Agent · Lorain, OH
(440) 616-2007
CI
600 Broadway
Carrion insurance
Disability Insurance Agent · Lorain, OH
(440) 222-7474
carrionagency.com/blank-3

What Does a a Disability Insurance Agent in Lorain Cost?

Disability insurance costs in Ohio vary by age, health, occupation, and coverage amount. Typical premiums for an individual policy range from 1% to 3% of annual income. For example, a 40-year-old office worker might pay $50 to $150 per month for a policy covering 60% of income. Group plans through employers are often cheaper. This is general information, not insurance advice.

About disability insurance agents in Lorain

Disability insurance agents in Lorain, Ohio help individuals and businesses find coverage that protects income if injury or illness prevents work. Ohio law does not require private disability insurance, but many employers offer group plans regulated by the Ohio Department of Insurance. Local agents can explain policy options and assist with claims in Lorain County.

Frequently Asked Questions

What does a disability insurance agent in Lorain do?

A disability insurance agent helps you compare policies from different carriers and choose coverage that fits your needs. They can explain benefit periods, elimination periods, and how Ohio state laws affect your policy.

Are disability insurance benefits taxable in Ohio?

It depends on who pays the premiums. If you pay premiums with after-tax dollars, benefits are generally tax-free. If your employer pays premiums, benefits are usually taxable as income under federal and Ohio state tax rules.

How long do I have to file a disability claim in Ohio?

Ohio law does not set a specific deadline for private disability claims, but policies often require notice within 30 days of disability. Check your policy for exact time limits. Delays can lead to denial.

Disability Insurance Agents in Other Ohio Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each disability insurance agent's credentials and current standing with your state Department of Insurance.