We Take Care of All Your Insurance Needs

Yes, our electronic data coverage includes protection against various cyber threats, including ransomware attacks, ensuring both your data and financial security.

Standard business insurance may not specifically address the unique risks associated with digital data and electronic equipment. This specialized coverage fills that gap, focusing on modern digital and hardware challenges.

Yes, workers' compensation typically covers long-term illnesses or conditions that are a direct result of job-related activities or exposures, such as repetitive strain injuries or occupational diseases.

In Ohio, workers’ compensation is handled exclusively by the state's Bureau of Workers’ Compensation (BWC), due to its status as a monopolistic state. Every business with employees is generally required to participate in this state-run program, with very limited exceptions. For detailed information and understanding of any possible exemptions, consulting with the BWC or a legal expert is advisable.

While a significant focus is on financial protection, these strategies also aim at ensuring the safety of employees, protecting assets, complying with regulations, and promoting overall business efficiency.

We offer tailored risk assessments, safety training programs, the integration of advanced monitoring tools, and continuous support to ensure our clients can operate with minimized risks.

Typically, EPLI covers claims made by both full-time employees and contractors. However, specifics can vary by policy, so it's essential to review the terms.

Yes, businesses of all sizes can face employment-related claims. Small businesses, without dedicated HR departments, might be even more susceptible due to potential oversight of legal obligations.

Yes, it typically covers design defects, manufacturing defects, and failures in providing adequate instructions or warnings.

Any business involved in the design, manufacture, distribution, or sale of products should consider this insurance, as they might be held liable for product-induced harm.

The cost depends on several factors including your business location, the building’s age, construction type, and the flood risk level of your area.

While it's not mandatory for all businesses, those located in high-risk flood zones with a mortgage from a federally regulated lender are typically required to have flood insurance.

No, they are different. Insurance protects the business, while surety bonds protect the party that requires the bond (obligee) against potential losses.

If a business fails to meet its obligations, the surety company can step in to fulfill the contract or compensate the obligee up to the bond amount.

Inland marine insurance is valuable for various industries, including contractors, builders, manufacturers, and businesses that transport equipment, tools, or valuable assets. It is also beneficial for individuals who need to protect their valuable belongings during transportation.

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Inland marine insurance is a specialized form of coverage that protects mobile property and goods while they are in transit or temporarily stored at a location other than your premises.

Any business that wants to enhance its liability coverage and protect itself from potentially devastating financial losses should consider personalized commercial umbrella insurance. It is particularly beneficial for businesses operating in high-risk industries or those with significant assets to safeguard. Otto Insurance can customize coverage to meet the unique needs of your business.

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Personalized commercial umbrella insurance covers liability claims that exceed the limits of your primary policies, such as bodily injury, property damage, libel, slander, or legal defense costs. The coverage is tailored to your specific business needs.

Builder's risk insurance is essential for contractors, developers, property owners, and anyone involved in construction projects. It provides financial protection against unforeseen events that can impact the progress and success of the project.

Builder's risk insurance covers property damage and losses that occur during the constructionphase, including theft, fire, vandalism, and damage to construction materials and equipment.

Yes, professional liability insurance and errors and omissions (E&O) insurance are often used interchangeably.

Management liability insurance typically covers legal defense costs and damages associated with claims made against directors and officers of a company, including allegations of mismanagement, breach of fiduciary duty, employment practices violations, and more. It may also extend coverage to the entity itself for certain claims.

Yes, there may be certain requirements and restrictions for drivers covered under commercial auto/fleet insurance. This can include driver qualification standards, minimum age requirements, and restrictions on driving records. Our team will guide you through the process

Commercial auto/fleet insurance typically provides coverage for physical damage to vehicles, liability for bodily injury or property damage caused by your vehicles, and coverage for medical expenses and legal defense costs. It can also include coverage for uninsured or underinsured motorists, roadside assistance, and rental reimbursement.

Absolutely! At Otto Insurance Group, we believe in providing personalized solutions. Our experienced team will work closely with you to understand your business's unique requirements and tailor a policy that provides the coverage you need, without paying for unnecessary extras. Your insurance policy will be customized to align with your specific risks and priorities.

The cost of business owners insurance varies depending on factors such as the size of your business, industry type, location, coverage limits, and past claims history. Our team will work closely with you to provide a customized quote based on your unique circumstances.

Business owners insurance typically covers property damage, liability claims, business interruption, and other risks specific to your industry. It offers a comprehensive solution to protect your business from financial losses.

No. This means that the auto insurance policy of the motorist who caused an accident covers expenses for the injuries and property damage of the affected party.

The cost of auto insurance depends on a range of factors. For a quick quote, simply fill in your zip code and the type of insurance you would like on this page.

For a first offense, penalties and fines are decided by a court of law. The driver's license is suspended until all requirements are met. For a second offense, among the penalties is that a motorist's license is suspended for a year. Penalties and fines increase for third and subsequent offenses.

The cost of your coverage will depend on the amount of data you have, the size of your company, and other factors. However, cyber insurance does not have to be expensive when you partner with a company like Otto Insurance Group. We can help you compare rates from all the most trusted providers so you can get an excellent quote.

Because cyber attacks are so common, cyber insurance is essential for all businesses that use online systems. However, it is essential if you have a lot of proprietary data, if you collect sensitive information from clients, or if you use an online payment system.

In general, cyber liability insurance covers you in the event that your customers' sensitive data is leaked, causing monetary damage. It also protects you against data loss and theft so that you can receive compensation for any lost income due to cyber crimes.

In most cases, your general commercial liability policy will not cover cybersecurity, so it is always important to review your plan with a trusted insurance agent to identify any coverage gaps. We can help you ensure that all your commercial insurance needs are met.

The cost of your commercial liability depends on the size of your business, type of products and services you offer, number of employees, and more. Larger companies require more coverage, meaning your premium will be higher. The agents at Otto Insurance Group can show you how much you could pay when you request a quote. You can do so using our online form.

Many commercial liability policies have coverage limits that cap your insurance benefits. Excess liability coverage fills these gaps by protecting you against claims that exceed these limits. If there are exclusions in the policy, meaning carve outs of certain items that are not covered, excess liability can protect against those as well. Your insurance agent can walk you through your options and help determine whether you need excess coverage or not.

Commercial liability policies can feature variable coverage levels. One level is premises coverage, which protects against claims that take place on the insured business's physical location during normal operations. It can also provide coverage for bodily injury or property damage that occurs at a separate location but is from a product or service from the insured.

There are two main types of life insurance - term and whole life. Term life insurance provides protection for a certain period of time, usually lasting between 10-40 years. Whole life insurance, also known as permanent life insurance, provides lifetime coverage and has the added benefits of a cash-value savings account or investment account.

Anyone who has dependents such as spouses, children, or aging parents should consider getting life insurance. Even if you're single and don't have any dependents, having life insurance provides peace of mind and ensures those closest to you will be taken care of financially in case something happens to you.

Life insurance is a type of insurance policy that provides financial protection for your loved ones in the event of your death. It pays out a lump sum to your designated beneficiary or beneficiaries, which can be used to cover expenses like college tuition, mortgages, and other costs associated with death.

You can lower your out-of-pocket medical costs by paying higher monthly premiums up front for your coverage. Speak with an insurance agent to learn more about your options with out-of-pocket expenses.

The cost of your health insurance depends on a variety of factors. The most important thing is your scope of coverage. Other factors like age, pre existing conditions, deductible, copays, and other can affect the cost of your monthly premiums. As you tweak your plan, the cost of your insurance will adjust.

Copays are set fees attached to certain medical services like doctor visits, prescription medications, and other services. These fees must be paid even when your deductible is met.

A deductible is what the insured pays out-of-pocket before the insurance company will meet the cost. Federal law caps how much a deductible can be. Deductibles can adjust based on your financial situation and coverage type.

There are several common types of health insurance plan types. These include health maintenance organizations (HMOs) and point-of-service plans (POS) where the patient chooses their own primary care physician. There are also preferred-provider organizations (PPOs) where referrals are not required, but there are lower rates for in-network providers.

The cost of your boat insurance will depend on the size, value, and style of your boat, as well as the type of coverage you choose. However, we work with all the top boat insurers to provide you with the best policies. Contact us today to get started.

At Otto Insurance group, we cover a wide range of boat insurance plans, including 

• Sailboats
• Yachts
• Fishing boats
• Pontoon boats
• Jet skis 
• And more

Contact us today to learn more about all the watercraft we cover.

Your coverage will depend on the type of plan you choose. However, our plans typically include

• Damage to your boat's mechanical components
• Liability insurance 
• Personal injury coverage
• Uninsured boater coverage
• Fuel spill liability 
• Wreck removal
• Damage to property caused by your boat
• Injury to others
• Compensation for your boat if it is damaged beyond repair

There are several different types of boat insurance, but two of the most popular policies include "agreed upon value" and "actual value." If your boat is damaged beyond repair, an agreed-upon value policy will reimburse you for the value your boat was when you signed your insurance. An actual value plan will only compensate you for the value of your boat at the time the damage occurs, which can be significantly less due to depreciation.

The cost of your motorcycle coverage will depend on your motorcycle and your driving record. To keep rates low, it's always a good idea to keep your driving record as clean as possible. You can also save money by purchasing your auto and motorcycle insurance through us, as well as additional plans. Your motorcycle insurance agent will help you identify all the discounts for which you are eligible.

Comprehensive motorcycle insurance is something that you can purchase in addition to collision insurance. Whereas collision insurance protects you in the event of damage due to an accident, comprehensive motorcycle insurance covers you if your bike is stolen, vandalized, or damaged outside of a collision.

At Otto Insurance Group, we carry a wide range of plans, including liability insurance, collision insurance, and comprehensive coverage. We may also be able to offer additional services, including trip interruption coverage, coverage for custom parts, and more, depending on your needs.

Yes, in Ohio, you must have liability insurance before you can ride your motorcycle. You must carry at least $25,000 of bodily injury insurance per person in the event of an accident. However, it's always a good idea to carry additional coverage.

The cost of an umbrella policy varies depending on factors. These include coverage limits and deductibles. Talk to us about the various insurance policies we offer!

People who have a great deal of wealth, own multiple properties, or are engaged in inherently risky activities such as owning a small business should consider investing in an umbrella policy.

A personal umbrella insurance policy is a type of liability coverage that provides an extra layer of protection for individuals who want to extend the limits of their existing coverages. It also helps protect themselves from costly lawsuits.

The first thing you should consider is the company's reputation, reviews, and customer support services. Next is price, but keep in mind that cheaper policies may not provide the coverage you need.

There are several factors that determine renters insurance rates, including your location, the amount of coverage needed, and the assets you want to protect. According to Business Insiders, the average amount for renters insurance in America is roughly $15 per month or $174 per year.

Renters insurance may cover fire, theft, certain natural disasters, water backup damage, bodily injuries, and more that occurs at your rented property. This could be a home, an apartment, or even a dorm. It may also cover temporary accommodations required due to damage to your rental.

The cost of your RV insurance will depend on the size of your rig, the age of the driver(s), and other factors such as usage habits. Otto Insurance Group will work with you to find a rate that fits your budget.

Anyone who owns or operates a recreational vehicle should consider getting an RV insurance policy to protect themselves and their investment.

RV insurance is a type of policy providing coverage for recreational vehicles and their contents. It can provide protection from physical damages, liability, medical payments, emergency expenses, and more.

There are two types of condo association master policies:

• An all-in policy means that your association covers the interior drywall and fixtures such as appliances, wiring, plumbing, and basic flooring
• A bare walls policy means that your association covers the structure of the residence up to and including the drywall, leaving any fixtures or flooring to the individual property owner

While condo associations are required to carry condominium insurance, the association isn't responsible for damage to personal property and specific fixtures in your condo. This is why it's crucial to buy condo insurance that covers you following an incident.

No, condo insurance isn't required in Ohio. Yet, condo insurance ensures that in the aftermath of a fire or theft, you are covered. If you choose to finance your home, your mortgage lender will require you to have a condominium insurance policy.

Events such as natural disasters or acts of God are typically excluded from home insurance policies. Acts of war are also considered as falling outside the range of a homeowners insurance policy.

Once you sign the contract to buy your home, you'll have a month before closing. This is the best time period to compare different insurance companies and decide on a home insurance policy.

No. However, having a home insurance policy will both provide you the peace of mind that your home is safe and offer protection and security in the aftermath of a disaster or accident.

Also, if you choose to finance your home, you'll be required to have a home insurance policy.