Hamler-Gingrich Insurance Agency – your trusted insurance partner since 1927

Providing quality insurance products for families and businesses throughout Ohio and across the United States.

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Insurance and Risk Management throughout Ohio and across the United States

Including West Milton OH, Tipp City OH, Troy OH, Dayton OH, Cincinnati OH and Columbus, OH

Hamler-Gingrich Insurance Agency offers personal insurance, business insurance and employee benefits.

Personal Insurance

Life happens fast, and the truth is there’s nothing as valuable as peace of mind. Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.

Business Insurance

In today’s ever-changing environment, risk is constant. Business insurance isn’t. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

Employee Benefits

The cost of benefits is rising significantly, while employees consistently seek more from their benefits packages. We can design an employee benefits program that makes sense for your company and your employees.

About Hamler-Gingrich Insurance Agency

We’ve been a part of the community for decades

We are an independent insurance agency committed to providing quality insurance products for families and businesses. We specialize in contractor insurance, non-profit insurance, church insurance, restaurant insurance, surety bonds, renters insurance, manufacturer insurance and wholesaler and distributor insurance throughout Ohio, including West Milton, OH, Tipp City, OH, Dayton, OH, Cincinnati, OH and Columbus, OH.

Our name is trusted throughout the community.

We’ve been in business since 1927, but take the approach of a startup – always looking for a new and better way. When you work with us, you’ll experience quality service and attention to detail that you may not find with another insurance agency.

Favorite insurance agency

In 2013, we merged with Favorite Insurance Agency in Tipp City Ohio, extending our family and our coverage area to serve you better. We combine our strong insurance background and product knowledge to help clients manage and plan for all types of potential risk.

We work for you

Hamler-Gingrich has the most competitive rates from the most reputable companies. We deal with over 15 insurance companies and because we’re independent, we place your insurance needs where they fit best.
West Milton, OH Insurance

102 North Miami Street
West Milton, OH 45383

Tipp City, OH Insurance

115 S Tippecanoe Drive, Suite C
Tipp City, OH 45371

We also write insurance for Dayton, Cincinnati, and Columbus Ohio.

About Our AgencyInsurance Quote
Anonymous

I like the friendly response that I receive when I call with a question. Mark has always responded to me, even when I was in Switzerland and the company was able to handle my problem.

Jill J.

I’ve been with Hamler Gingrich for over 25 years and I’ve received nothing but excellent service. They always go above and beyond to take care of their customers and they will always take care of my insurance needs. You will not find an insurance company that cares about their clients more than Hamler Gingrich.

Josh W

Proud to have such a great insurance company in our hometown. Mark was personally hands on in explaining our business insurance and acting quick to get us going and all of our equipment insured as well. Would recommend to anyone.

Mike B.

Fair and nice. Saved me money and explained the new policies well before signing.

Mashell S.

Customer service is fantastic!!! Returned calls and emails immediately!

Anonymous

It is so nice to finally work with an insurance agency where the employees are so attentive and really care about your business. I have been really happy with the service I have received so far from Hamler Gingrich Insurance and look forward to working with them for a long time to come!

Grant V.

Hamler Gingrich is a quality agency that offers a delightful combination of big city expertise and small-town etiquette. I have never felt as though my insurance issues fall beyond the competence of my insurance agent, Kurt Hamler.

Zack J.

My experience with Hamler Gingrich has always been top notch. They have helped me multiple times to find the best insurance solution to fit my needs; even going so far as to notify me when they had found a more economical policy when my incumbent policy had expired. They have always been courteous and polite, and their customer service exemplary. I would highly recommend them to anyone in the market for a new insurance provider.

Brian M.

As an investor, they have found good products for me to use. They’ve been creative in providing multiple solutions and helpful as my needs have changed.

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Hamler-Gingrich Insurance Agency + Keystone

We are proud members of Keystone Insurers Group.

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There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Personal InsuranceBusiness InsuranceEmployee Benefits
Contractor

Commercial General Liability Coverage

Risk Factor

As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.

Solution

Commercial general liability insurance is an absolute necessity for every contractor. This type of protection provides broad coverage for premises, operations, products and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.

Commercial Property Coverage

Risk Factor

When a fire, theft or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.

Solution

Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Contractors' Equipment Coverage

Risk Factor

You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. And without your specialized tools and equipment, your job site may come to a screeching halt.

Solution

As a contractor, you need contractors' equipment insurance - a policy specially designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, contractors' equipment insurance often covers losses caused by floods and earthquakes.

Builders Risk and Installation Insurance

Risk Factor

A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. As a contractor, you may be responsible for unique loss exposures related to buildings under construction such as the theft of building materials and high valued equipment such as generators and compressors.

Solution

Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the renovation, remodel or construction and the value of the property being constructed until it is completed.

Workers’ Compensation and Employers Liability Coverage

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers’ compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.

Business Auto Insurance

Risk Factor

As a contractor, you have many exposures associated with your business vehicles – owned or leased. With a fleet of cars, trucks, vans or other types of vehicles used in the course of business, a single accident can potentially put your contractor business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, property damage and other exposures, and could include comprehensive and collision coverage as well.

Hold Harmless / Additional Insureds

Risk Factor

If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor or subcontractor causing damage to people or property of your mutual customer.

Solution

Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.

Commercial Umbrella / Excess Insurance

Risk Factor

Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over your general liability insurance, workers’ compensation, business auto and directors and officers liability insurance. It provides a great safety net and helps ensure your contractor business is well protected.

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