When it comes to something as important as insurance and protecting your most precious assets—it’s imperative that you work with an agency that has an in-depth knowledge of multiple insurance products, companies, and guidelines—not just one.
That’s a huge reason why our agency is 100% independent of any one company because it means we get to serve you and your unique situation, rather than simply trying to push our own products. Because unlike a captive or direct insurance company, we have the privilege of helping you switch policies if you need to, and can give you unbiased and objective advice along the way.
It’s also the reason why we have a wide range of products on offer. Get ready, because here’s the full rundown!
Whether you are just graduating college, getting married, starting a family, sending a child off to college, or planning your retirement, we can help you find the perfect insurance policy.
Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful. Understand what your coverage options are — not just for your car, but for you, and people who may be injured as a result of negligence.
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
If you are an individual or family who does not currently have insurance through a group employer plan, our agency can walk you through your individual health plan options. We have access to a long list of health insurance providers and can walk you through your options.
Life insurance is not only the cornerstone of a solid financial plan, but it’s hands down one of the most cost-effective ways to protect the people who depend on you financially.
Boats and personal watercraft are big investments, but if you love being out on the water, you know they’re worth it. Protect your fun investment with coverage that’s designed with the boat lover in mind, not with some standard coverage or add-on to your Homeowners Insurance.
ATV & Powersports
All-Terrain Vehicles (ATV) are becoming increasingly popular, and come in a variety of different models. Most insurance companies have a different set of rules for providing coverage for ATVs, depending on the vehicle type. We can help you protect your investment and let you focus on having fun.
Collector Car Insurance
If you own a collector car in Chillicothe, chances are you’ve spent countless hours, and a good deal of money taking care of it. Classic car insurance is much like traditional auto insurance but includes special provisions, conditions, and coverages that are more appropriate for a classic or collector car.
We cover a full spectrum of motorcycles from street cycles, Harley Davidsons, trike conversions, cruisers, classic bikes, touring bikes, dirt bikes, and ATVs.
Condo insurance (also referred to as an H0-6 policy) covers your condo unit where your condo association insurance stops. Association by-laws vary, but condo owners are generally responsible for the interior of their unit, or from the drywall in. Things like your floors, walls, cabinets and fixtures that your association’s insurance likely doesn’t cover.
It only takes a few inches of standing water to cause tens of thousands of dollars of damage and it is not covered by homeowners insurance. Flood insurance policies also reimburse you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.
Recreational Vehicle Insurance
Recreation Vehicle insurance can protect your motorhome, travel trailer, camper and even your horse trailer. RVs that are for personal, recreational use can be insured for up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.
You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk. Your renters’ policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home.
Specialty Dwelling Insurance
If you own a rental property in Chillicothe or a home that happens to be vacant, a traditional homeowner’s insurance policy will not work. This is because traditional homeowners insurance excludes coverage for properties that are not owner-occupied. In other words, if you don’t live in the house, it’s only covered by a specialty dwelling policy.
If you were found negligent or liable for someone else’s bodily injury or death, would you have enough insurance to protect your assets? Umbrella insurance is a stand-alone liability policy that provides an additional limit of liability over and above your underlying liability limits that are already on your homeowners and auto insurance policies.
As a business owner, your insurance needs are complex and ever-evolving. The experts at Tomlinson Insurance Agency will review your business operations and provide a comprehensive recommendation for the right amount of coverage. The insurance companies we work with provide a wide range of business insurance packages that can provide you peace of mind so that you can focus on growing a successful enterprise, including:
Whether you are a retailer, wholesaler, contractor, or electrician, we can tailor a package to meet your specific needs and requirements.
Business Property Insurance
Commercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company.
General Liability Insurance
It only takes one claim to financially cripple your business, so it’s important that you have adequate coverage from a highly rated carrier.
Commercial Auto Insurance
As a business owner, you may have one or more vehicles, such as delivery vehicles, taxis, limos or buses. Commercial auto insurance covers you for accidents, injuries and other incidents that can put those investments at risk.
Builders Risk Insurance
Builder’s Risk Insurance, which some refer to as Course of Construction Insurance, is a form of commercial property insurance which covers a building where the building or insured area is presently being constructed or heavily remodeled.
Getting the right independent contractor’s liability insurance in place can protect you from lawsuits, mishaps and third party property damage that can devastate your business. We insure many different types of contractors from landscapers, electricians, carpenters, and many more!
Over the past few years, plans have been changed dramatically with more high deductible, HSA compatible plans replacing the traditional, HMO/PPO plans. If you have multiple employees relying on you to offer them the best possible coverage we can help.
Commercial Umbrella Insurance
Most business owners never expect to encounter a loss that exceeds the limits of the coverage they have to manage accidents, mistakes, and injuries. But it does happen and a large loss could impact the business success you’ve worked so hard to achieve and destroy your hopes for a bright future.
A bond is simply a way to secure a debt. It is a way of you the consumer, being able to put up a little cost upfront that says “I am letting you borrow this money so as to your agreement to pay the face value of said bond if ever needed”.