Western Reserve Group
We offer insurance products from Western Reserve Group to customers in Springfield and the Miami Valley area.
Its mission is to “to provide the best insurance products, protection and service to our policyholders, delivered by a quality agency force, and backed by enthusiastic and service-oriented employees, sound investments and financial strength.”
Personal Line Products
Western Reserve Group offers the following policies to cover automobile, home, condominium, rental, and excess personal liability exposures.
The Automobile Program
The Western Reserve Group offers an affordable personal auto program designed to meet most customers’ insurance needs. Coverage is also available for motor homes, motorcycles, and trailers.
Personal Auto Enhancement
Western Reserve Group’s Personal Auto Enhancement Endorsement provides valuable extra protection for a nominal fee.
- Replacement Cost for eligible vehicles
- Trip Interruption
- Personal Contents Coverage
- Rental Car Loss of Use
- Locksmith Service
- Airbag Replacement
- Death Benefit for named insured, spouse, and family members
The Homeowners Program
Western Reserve Group offers policies to protect your home include the following:
- Dwelling Coverage
- Coverage for Other Structures
- Contents Coverage
- Loss of Use
- Personal Liability
- Medical Expenses for others
In addition, you can protect yourself and other valuable investments for a nominal fee, including:
- Home Business
- Identity Fraud Expense
- Personal Injury
- Personal Property Replacement Cost Loss Settlement
- Refrigerated Property
- Special Computer
- Scheduled Personal Property
- Water Backup and Sump Discharge or Overflow
The Personal Umbrella Program
An Umbrella Policy from Western Reserve Group provides excess and additional liability coverage beyond the limits of your personal auto and homeowners policies. The standard limit is $1 million, but higher limits are available.
The Umbrella Policy also provides protection against hazards that may not be covered by primary policies such as:
- Personal Injury
- Negligent Property Damage
- Worldwide Liability Protection
The Dwelling Fire Program
The Western Reserve Group offers an affordable Dwelling Fire Policy for tenant occupied dwellings.
A variety of commercial line products from Western Reserve Group provide smart solutions for businesses both small and large—and can be customized to fit your unique needs.
- Coverage for Artisian Contractors
- Businessowners Policy for small to medium size offices, condominium associations, retail stores, wholesalers, restaurants and service and processing businesses
- Commercial Auto and Business Auto Enhancement
- Commercial Liability
- Commercial Property
- Commercial Package, including property, liability, crime, fidelity, and inland marine coverages to meet the needs of a business.
- Professional Liability for barbers and beauticians, cemeteries, clergy, druggist, funeral directors, optical and hearing aid establishments, and veterinarians.
- Umbrella Liability
- Workers Compensation
- Employment Practices Liability (EPL) Insurance for Small Business
- Equipment Breakdown
Farm insurance specialists since 1906, Western Reserve Group offers custom, flexible and competitively priced products for farm owners.
Basic option offers protection against
- Fire or lightning
- Windstorm or hail
- Riot or civil commotion
- Sinkhole collapse
- Volcanic action
- Collision (farm personal property only; also includes roadbed and ground)
- Earthquake loss to livestock
- Flood loss to livestock
Broad coverage and special coverage also available.
Farm liability coverage includes:
- $100,000 Bodily injury and property damage*
- $1,000 Medical payments to others*
- $100000 Fire legal liability*
- $100,000 Personal injury and advertising injury liability*
- $25,000 Limited farm pollution liability coverage”
- Damage to property of others
- Watercraft with motors not exceeding 50 horsepower
- Custom farming up to $5,000 in annual receipts (additional charge if receipts are in excess of $5,000)
- Product liability (milk contamination coverage)
*Higher limits available