The top-rated umbrella insurance agent in Westerville, Ohio is INSocial Risk Advisors, rated 5.0 stars across 241 reviews. Other highly rated options include Masters Insurance Group, Issam Insurance Agency, LLC, Impact Insurance Agency. This directory lists 21 umbrella insurance agents serving Westerville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | INSocial Risk Advisors | 283 S State St STE 102 | (800) 886-2398 |
| 2 | Masters Insurance Group | 178 W Schrock Rd Suite A | (614) 471-7676 |
| 3 | Issam Insurance Agency, LLC | 470 Olde Worthington Rd # 200 | (614) 418-1792 |
| 4 | Impact Insurance Agency | 111 Commerce Park Dr B | (614) 324-2641 |
| 5 | Steadfast Insurance LLC | 167 S State St #175 | — |
| 6 | Highfield Insurance Agency LLC | 155 Commerce Park Dr | (614) 882-3141 |
| 7 | Dolbow Insurance LLC | 212 S State St | (614) 899-1611 |
| 8 | Kalmbaugh Insurance | 190 S State St | (614) 890-7222 |
| 9 | Stolly Insurance Group | 140 Commerce Park Dr suite c | (614) 818-9467 |
| 10 | McGuire Insurance Group- Nationwide Insurance | 435 Lazelle Rd | (614) 888-9494 |
INSocial Risk Advisors serves the Columbus metro area and surrounding Franklin County from its office in Westerville, Ohio. The company works as an umbrella insurance agent, helping individuals and businesses obtain additional liability coverage beyond their standard policies. This extra layer of protection can apply to auto and homeowners insurance, safeguarding assets in the event of a major lawsuit. It also structures broader commercial umbrella policies for small and midsize businesses in the region.
Masters Insurance Group in Westerville, Ohio, provides professional umbrella insurance agent services designed to extend liability coverage beyond standard policies for local clients. It offers consultation to assess individual risk exposure and assists with policy selection tailored to specific coverage needs. The company helps clients understand policy terms and manage their protection through straightforward service interactions. The firm typically serves properties including single-family homes, apartments, retail establishments, and restaurants throughout the Westerville area.
Issam Insurance Agency, LLC serves homeowners, businesses, and property managers in Westerville, Ohio, by providing umbrella insurance policies that offer additional liability coverage beyond standard limits. This service helps clients protect their assets against major claims or lawsuits. The agency works with local carriers to secure coverage tailored to individual risk profiles. By extending liability protection, it ensures clients are safeguarded against unforeseen financial exposures. Issam Insurance Agency also covers clients in nearby Columbus neighborhoods.
Impact Insurance Agency serves Westerville, Ohio, and the surrounding central Ohio communities as a specialist in umbrella insurance. The agency handles excess liability coverage that extends beyond standard auto or homeowners policies, protecting clients from major claims and lawsuits. To evaluate a typical job, it reviews a client’s existing underlying policies and personal risk exposure. Then it secures additional coverage layers that activate when primary limits are exhausted, often addressing gaps related to rental properties, recreational vehicles, or high-asset situations. This thorough assessment ensures proper protection for each unique household profile.
Highfield Insurance Agency LLC in Westerville, OH serves clients seeking umbrella insurance, distinguishing between one-time policy consultations and recurring coverage management for ongoing liability protection. This service provides an additional layer of personal liability coverage beyond standard home and auto policies, safeguarding assets against major claims and lawsuits common in the local area. Coverage options address various risks, including property damage and legal defense costs. Service runs on an as-needed basis, tailored to individual client requests for new policies or periodic policy reviews.
Dolbow Insurance LLC in Westerville, OH provides tailored umbrella insurance agent services, helping clients secure extra liability coverage that extends beyond the limits of their primary home and auto policies. Their general service work includes reviewing personal risk profiles to match each client with appropriate supplemental protection. As winter approaches, the agency particularly assists homeowners with the increased liability exposure from seasonal hazards like icy walkways or unshoveled driveways on their property.
Kalmbaugh Insurance, located in Westerville, Ohio, serves clients by designing general liability coverage structures that protect against common property and operational risks. The agency specializes in umbrella insurance policies, which add an extra layer of liability protection above standard policy limits. This additional coverage helps safeguard personal and business assets from large claims or lawsuits. Kalmbaugh Insurance can tailor such policies for a variety of local commercial sectors, including corporate offices, retail and storage warehouses, and food service establishments.
Stolly Insurance Group provides residential umbrella liability coverage for homeowners in the Westerville area, complementing underlying auto and home policies. The agency also writes commercial umbrella policies to shield local businesses from catastrophic claims that exceed primary limits. Serving Westerville and surrounding central Ohio communities, the agency focuses on including umbrella layers within broader insurance portfolios. Follow-up service after any claim or policy change occurs automatically, ensuring continuous coverage is maintained between regularly scheduled annual policy reviews.
McGuire Insurance Group- Nationwide Insurance serves Westerville, Ohio, and the surrounding communities with umbrella insurance coverage. This type of insurance handles protection beyond the liability limits of standard home and auto policies. The agency works to address the increased financial risk that clients face from potential lawsuits. It reviews each client’s existing coverage to identify gaps in liability protection. For a typical job, the agency tailors an umbrella policy to match the client’s specific asset level and personal risk exposure.
What Does an a Umbrella Insurance Agent in Westerville Cost?
In Ohio, a 1 million dollar umbrella policy typically costs between 150 and 300 dollars per year. A 2 million dollar policy may cost 250 to 500 dollars annually. Costs vary based on your driving record, home risks, and the number of properties you own. This is general information and not insurance advice.
About umbrella insurance agents in Westerville
Umbrella insurance agents in Westerville Ohio help you add an extra layer of liability coverage beyond your auto or homeowners policy. Ohio law requires minimum liability limits for auto insurance but does not mandate umbrella coverage. An agent can explain how an umbrella policy can protect your assets from large claims or lawsuits.
Frequently Asked Questions
What does an umbrella insurance agent in Westerville do?
An umbrella insurance agent helps you purchase a personal liability policy that covers claims above your primary insurance limits. They review your existing auto and home policies to recommend an appropriate coverage amount.
Does Ohio law require umbrella insurance?
No, Ohio law does not require umbrella insurance. However, Ohio courts allow large liability judgments, so an umbrella policy can provide important extra protection for your savings and future earnings.
How much umbrella coverage do I need in Westerville Ohio?
Most agents recommend at least 1 million dollars in umbrella coverage. The right amount depends on your assets, income, and risk factors such as owning a pool or having teenage drivers.
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