EOY ISSUE DECEMBER 2025
2025 REWIND BRINGING IT BRINGING IT BACK BACK TO TO FUNDAMENTALS FUNDAMENTALS
CONTENTS
2
2025 Reflection
32 Volunteer Leaders
3
Member Recognition
40 Advocacy & Education
14 Market Reports
43 Products & Services
22 Carrier Relations
50 2026 Preview
27 HR Solutions & Comp360
53 Connect with OIA
OUR MISSION TO OHIO AGENTS
At OIA, our focus is you: the Independent Insurance Agent. OIA has championed independent insurance agents since 1897, serving as a trusted advisor, advocate, and strategic partner for agencies of every size. We equip members with the tools, resources, and data-driven insights needed to strengthen daily operations, support professional development, and make informed business decisions for your growth. From operational best practices and training to HR guidance and market access opportunities, OIA provides the expertise that helps you deliver exceptional service, empower your team, and focus on what matters most: your clients and your community.
1
2025 Reflection:
Market Stability Brings Opportunities for IAs to Focus on the Fundamentals A message from OIA's Chairman of the Board, Katie Watson and Executive Director, Jeff Smith
In 2025, Ohio’s independent insurance agents
Excess and Surplus (E&S) lines have grown by
(IAs) began to experience the first signs of a
17% in Ohio, with a 4-year average of 15%
softening market. After 3 years of a hard market
annual growth. This is in comparison to the US
with double-digit rate increases in Personal Lines
E&S growth of 6% last year.
and Commercial Lines, it appears the insurance
Best
market is headed to an environment of rate
averaged 9.8% (down 0.2%) and profit margins
stability and potential declines in certain lines of
rose to 27.1% (up 0.3%).
business.
Agency values are up 7% YOY based on the
Practices
agency
organic
growth
EBITDA valuation methodology. In the past With CAT events largely taking a break in 2025,
two years, values are up an average of 12%.
many carriers are getting back to consistent profitability,
with
some
reporting
Consolidation in the IA system continues at a
record
torrid pace. While down 7% through Q3, there
underwriting profits. For agents, this means you
were still 520 M&A transactions with at least
may finally get a breather from remarketing 75%
250 deals expected to close in Q4, making for
of your accounts and will likely see profit-sharing
another year of around 800 M&A deals across
checks in 2026 from your 2025 results. The
IA
system
continues
to
have
the nation. a
strong
The hard market experience has left an indelible
foundation with most YOY indicators showing
mark on the IA system. Agencies with limited
growth or flat levels, including:
market options, inefficient technology systems,
IA market share is down slightly at 64.5%
aging staff, and no business plans have shown
overall in Ohio, compared to 64.7% last year. However,
we
are
still
outperforming
serious signs of stress. While almost every agency
the
experienced
national IA market share average of 61.5%.
revenue
growth
due
to
premium
increases in the last 3 years, the type of agency
Captives currently write 21.5% and Directs have
described above saw a reduction in PIF count,
12.7% market share in Ohio.
which
IAs continue to perform well in the major lines
will
result
in
diminishing
profitability,
growth, and value in the soft market environment.
of business by writing 88.4% CL (down 0.7% YOY) and 46.4% PL (up 0.7% YOY). Overall,
The soft market is an opportunity to focus on the
Ohio P&C premiums increased by 8.8% YOY.
fundamentals of executing your business plan,
Ohio average Loss Ratio across all P&C Lines
strengthening
of Business was 58.3%, compared to 65% in
expanding your markets, developing your staff,
2024. This is a good sign for 2025 profit-
and proactively producing new business. These
sharing bonuses.
core components of the IA business model are
The average Commission Rate in Ohio in 2025
critical to success today and in the future. As we
was
Business
move forward into 2026, OIA is excited to help
combined (up slightly from 11.8% in 2024). The
IAs stay independent, perpetuate internally, and
average Commission Rate in the US was 11.5%.
grow their businesses.
11.9%
for
all
P&C
Lines
of
2
your
technology
systems,
OIA MEMBERSHIP 2025 BY-THE-NUMBERS Ohio IAs hold
88.7% share of commercial lines and grew share of personal lines to
1,500
OIA serves independent insurance agencies. We represent agencies of all different sizes and focuses.
358
46.4%
21 agencies in Ohio were recognized as a 2025 Big “I” Best Practices Agency, placing Ohio #2 nationwide in recognition!
this year, showing continued strength in the marketplace
was granted to OIA members through the George W. Haenzel Foundation Scholarship for their professional development
$30,000
insurance industry professionals attended IACON25, marking it as OIA’s largest annual conference in over five years with an increase of 13.7% in attendance!
OIA provided CE through our
Webinar Wednesday program to over 3,400 registrants and distributed over 3,842 CE credits in total to Ohio-licensed agents
HR Solutions assisted
35 19
interns participated in OIA’s Summer Internship Program
Ohioans received their P&C license after taking OIA’s new, hybrid prelicensing courses with an 80% pass rate! 3
75 agencies with HR inquiries, including employee relations, recruiting and hiring, and compensation planning efforts
WELCOME NEW MEMBERS! We’re so happy you joined the OIA family!
Annette Hupp Insurance
Behnke Insurance & Financial Services
Creekside Insurance Agency
We’re here to support you in 2026 and beyond! If you have any questions or concerns about your membership with OIA, please reach out to Jodie Shaw at jodie@ohioinsuranceagents.com. 4
AGENCIES CELEBRATING 100 YEARS IN BUSINESS Honoring a Century of Dedication and Success
Broderick Insurance | 100 Years
Fish and Son Insurance | 100 Years
Fish and Son Insurance is celebrating 100 years of serving Waverly and the surrounding southern Ohio community. The agency places a strong emphasis on supporting veterans, including providing free hunting trips for veterans living with PTSD. Congratulations on reaching this remarkable milestone!
Congratulations to Broderick Insurance, celebrating 100 years of serving Mogadore, OH! A client recently reviewed their agency, sharing: “I’ve been with Broderick Insurance for at least 50 years . . . thanks to Steve Broderick and his folks for being so helpful with all my questions.”
Althans Insurance | 100 Years
Luce, Smith & Scott | 100 Years
Althans Insurance is celebrating 100 years of service to the Cleveland community. They were even recently recognized in the prestigious Crain’s Cleveland Business’s 2025 “Best Places to Work in Ohio” listing. Congratulations!
Luce, Smith & Scott, Inc. celebrated 100 years in 2025! Located in Brecksville, OH just outside of Cleveland, this long-standing agency specializes in coverage to hand made artisan individuals and business entities. Congratulations!
Have a milestone you want to celebrate? We’re always looking to highlight our members for their milestones and achievements! 5
Celebrating 150 Years: Dostal & Kirk Agency
Rooted in Trust. Build to Last.
Celebrating 150 Years with Dostal & Kirk Written by: Colleen Barbara, Marketing & Communications Manager
For generations, Dostal & Kirk has been more than an insurance agency - they’ve been a trusted partner through life’s changes and challenges. Their history is grounded in relationships, not transactions, and their commitment to personalized service has stood the test of time. Dostal & Kirk, Inc. was established in 2009 when The Auck-Dostal
Agency
merged
with
Kirk
Insurance
&
Financial Services. The Auck-Dostal agency has roots going all the way back to 1875, originally founded by John Schaber. Through the years, the agency evolved via partnerships and mergers. Kirk Insurance & Financial services was founded in 2001 in North Central Ohio. The merger
in
2009
created
the
largest
insurance
and
financial services agency in Crawford County. They expanded into Powell in 2012 and again into Marion in 2017 to serve a wider range of clients. Michael Dostal and Logan Kirk are partners and continue the agency’s legacy of family and community-driven leadership. Today, Dostal & Kirk operates in Bucyrus, Galion, Marion, and Powell, Ohio. They offer a wide range of personal, commercial, life, and health insurance options, as well as risk-management and financial advisory services. Their goal is to guide their community through “All of Life’s Milestones.” OIA was honored to be included in the 150th anniversary of the Dostal & Kirk Agency! The agency celebrated this milestone in September at Pickwick Place in Bucyrus, Ohio. The positive impact that Dostal & Kirk has had on the community throughout their century and a half could be felt in the room. Family, friends, and clients from Bucyrus
to
Powell
were
present
to
celebrate
this
momentous occasion. Additionally, OIA had the pleasure of presenting Mike Dostal & Logan Kirk with an OIA proclamation commemorate
and this
an
Ohio
House
milestone
Resolution
anniversary
to and
achievement. 7
John Schaber, Founder
Ohio Ranked #2 Nationwide in Big “I” Best Practices Agencies Program Written by: Alex Bowie, Sr. Marketing & Communications Manager
For more than 30 years, the Big “I” has partnered with Reagan Consulting to spotlight the nation’s topperforming independent agencies and provide benchmarks that elevate performance across the industry through the Best Practices program. 2025 was the latest year in updated rankings and industry benchmarks.
This year, Ohio had a lot to celebrate. Out of 47 states and the District of Columbia, Ohio ranked #2 nationwide with 21 agencies recognized—trailing only Texas (30) and ahead of Florida (16). A true testament to the strength, reputation, and legacy of Ohio’s independent agency community. The team at OIA extends heartfelt congratulations to the Ohio agencies recognized as 2025 Big ‘I’ Best Practices Agencies. It’s an incredible achievement that reflects national recognition at the highest level.
Some of the key industry benchmarks to come from this year’s Best Practices Study include the following: Organic growth rates were 9.8% in 2025 but slipped in almost every agency revenue category. Small agencies (those with <$1.25M in revenue) experienced the greatest increase growth with a 3.6% increase to 9%. Retained
Revenue
–
Best
in
Practices
Brunswick Companies (First-time recipient)
organic
Carroll Insurance & Risk Management Group Consolidated Insurance Group Frost Insurance Agency (First-time recipient)
agencies
averaged a 96.5% retained revenue rate. Small agencies again led the pack with a 97.7% retained revenue rate. The lowest ranking category was
Hamler-Gingrich Insurance Agency Huntington Insurance Hylant Group
mega agencies, at over $100M in revenue with a
Jacobs Vanaman Agency, Inc.
92.9% retained revenue rate. EBITDA Profitability Margins averaged 26.5% for
James B. Oswald Company Leugers Insurance Agency
Best Practices Agencies. In this category, small to
McGohan Brabender
mid-size agencies (revenue between $1.25 to $2.5M) took the crown with a 29.7% profitability
Novarica Novak Insurance Agency O’Neill Insurance
margin. Investments in unvalidated producers averaged around 2% of annual Practices agencies.
expenditures
for
Phelan Insurance Agency
Best
Ratermann Insurance Agency Ray Insurance Agency, Inc. Stockton-Hill Insurance
Agencies can be nominated by carriers, state associations, or through self-nomination with references. Those who choose to participate submit detailed financial, operational, and management data, which is scored and ranked objectively. Agencies that meet the deadline and rank among the top in their revenue category are recognized as “Best Practices Agencies” by Reagan Consulting.
The Uhl Agency Van Nostran Young & Associates, Inc. Wilks Insurance Agency Curious about this initiative? Visit independentagent.com/best-practices/ to learn more about the Best Practices program.
The list of winners is announced each August with results published annually. The current cycle runs from 2025–2027, after which nominations will reopen for the 2028 cycle. To maintain their status, agencies simply submit updated year-end results. All participating agencies receive a complimentary Agency Performance Analysis from Reagan Consulting, while Best Practices Agencies gain exclusive networking and education opportunities, national recognition in trade publications, and marketing tools to promote their status.
Members can purchase the 2025 Best Practices Study which includes a detailed analysis with over 3,000 data points categorized by agency revenue. Take the time to work on your agency today!
SCAN TO ACCESS THE STUDY 9
ELECTRIC TALENT CATCHING LIGHTNING IN A BOTTLE IN SMALL TOWN OHIO By: Colleen Barbara, OIA
Catching Lightning In a Bottle in Small Town Ohio Written by: Colleen Barbara, Marketing & Communications Manager
Culture Fit – New hires needed to fit in with the existing, successful employees.
Phelan Insurance Agency in Versailles, Ohio is a
Culture is one of the most important, yet yard to
tale of success for attracting and developing
define, pieces of agency success. New hires and
young talent in a small, rural town. In a small town
existing staff members need to mesh to create
like Versailles, sourcing and retaining young talent
that intangible sense of unity and shared purpose
at a local business is a challenge, but Phelan
that keeps Phelan’s culture strong.
Insurance has figured out its own secret formula.
“Old School” Coaching Style – Proven since 1949.
About ten years ago, the agency faced a pivotal
Since its founding in 1949, Phelan Insurance’s “old
moment: a number of legacy producers were
school”
winding down their careers, and the business
management
approach
has
always
worked. Their business is well-established, and
needed to figure out how they would continue to
they are not likely to change their ways. Not
grow. These tenured producers had plateaued and
everyone is going to be happy and successful in
were in a mindset of maintaining rather than
this mold. They look at this aspect similarly to
growing. As they planned for the future, third-
coaching style – some people need comfort,
generation owners and brothers, Brent and Todd
whereas others need tough love. Phelan is more
Phelan, developed a strategic growth plan.
likely to provide the tough love style to their employees, and successful employees are more
So, how did they figure out how to hire in a town
likely to be aligned with this leadership style.
of 2,600 people? Experienced insurance industry people cannot be hired “off the rack” in a town of this
size.
Instead,
they
honed
in
on
what
characteristics their new hires must possess in order to succeed in meeting their agency’s growth goals.
The Phelan Hiring Formula Some of the Phelan Insurance Agency producers at OIA’s Women’s LeadHERship Conference in Dublin, OH
Work Ethic – Rural Ohio Values Work Ethic The work culture is intense, yet enjoyable at
Building a Talent Pipeline
Phelan
be
Through a community foundation, they created a
hardworking and be perceived as such by their
scholarship fund and an internship program. Each
peers to fit into their environment. They found
year, they hire 1-3 college students to intern in the
their recipe for success was a 50-hour work week
summer between their junior and senior year of
Insurance.
New
hires
needed
to
for the first 3 years.
college. This allows Phelan to give each intern a 10-12 week interview. The sales team includes the
They had never had a new producer fail when
interns in their weekly meetings, they shadow
following these work hours, so they implemented
them on calls and visits, they meet with carriers,
this as the “gold standard.”
and they do projects that relate to what they would realistically be doing as a producer. 11
Through this program, existing staff can get a feel
Their efforts towards hiring and growth are very
for who they are and their work ethic. If, at the
intentional. “We feel like we’ve caught lightning in
end of the summer, the intern “checks all the
a bottle,” said Brent. They have continually met
boxes” that Phelan Insurance is looking for, the
and surpassed their growth goals for the past 10
intern is offered a job. Brent commented, “A
years. They realize this may not last forever,
student who accepts a job 9 months before
which is why they strategically plan and analyze
starting it, most likely wants it, whereas a student
their hiring practices yearly.
who is offered a job post-graduation is most likely
Growth Mindset
going to take it because they need it. We want people to want it.”
They also recognize that
We feel like
success
we’ve caught
does
require
consistent evaluation. For
An additional, and more nuanced, piece of their
lightning in a
the past six years, Phelan
hiring strategy is that they often find success with
bottle.
college athletes. Whether they are a D2 golfer or
Insurance has partnered
a D1 baseball player, former college athletes often
with IA Valuations to
share key traits that align with the demands of a
conduct an annual agency valuation, an exercise
sales
Brent
role:
competitiveness.
discipline, While
teamwork, collegiate
and athletic
describes
as
“invaluable”
for
strategic
planning. The reports highlight strengths, pinpoint
experience isn’t a requirement, it’s one factor they
opportunities
for
improvement,
consider.
benchmarks that guide decision-making.
Quality Over Quantity
Beyond
They’ve realized that they don’t need to hire 10
encourages
successful producers per year to continue to meet
broader
their growth goals; they just need 1-3.
producers to OIA’s annual conference, IACON, and
internal
growth,
younger
industry.
staff The
and
Phelan to
provide
actively
engage
agency
in
the
brought
12
one of their producers, Amanda, serves as chair of OIA’s Next Generation Advisory Committee. They regularly
support
attendance
at
industry
and
carrier events for networking and professional development. “We want our young producers to see
that
this
is
an
exciting
industry
full
of
opportunity,” Brent said. Phelan
Insurance
Agency
recognizes
that
successful businesses are successful because of the
The Phelan Insurance Agency, Inc. team
people.
By
intentionally
developing,
supporting, and investing in their people, they see the
The internship program has allowed them a longer to skip some of the pain points of onboarding. It which
they
see
displayed
reflected
back
in
the
IA Valuations is a DBA created by OIA in order to serve our members and beyond in valuation, perpetuation, and business consulting services. All messaging coming from IA Valuations is approved and aligned with OIA.
also allows their staff to invest more time in the process,
dedication
agency’s continued success.
vetting period for new producers and allows them
hiring
same
in
informal mentorship that allows for even greater
Learn more at www. iavaluations.com
success among the younger producers. 12
IA Valuations Market Report 2025 YEAR END UPDATE ON INSURANCE AGENCY VALUATION FACTORS Prepared by: Jarod Steed, Business Planning & Valuation Analyst
Insurance agencies delivered another powerhouse year of growth, profit, and ascending value, solidifying their status as one of the most lucrative industries to be a part of today. To be a valuable business, you must generate Valuation Factor
Performance Over 2024
cash flow and grow. This is simple in concept, but can be extremely difficult in practice.... unless you are an insurance agent.
EBITDA Multiple
8.7%
Congratulations, agents, your hard work and Pro forma EBITDA
perseverance through hard market conditions
3%
has benefitted the entire IA distribution system. 2025 marked another high growth year for
Commissions Growth
agency
13%
value,
pro
forma
profitability,
and
commissions revenue.
Commission Growth* Across
all
revenue
groups,
the
average
commissions growth went from 9.2% all the way up to 13% in the latest valuation year. You are a part of a great industry. For agencies evaluated in 2025, they represent another epic year of commissions growth. The smallest and the largest groups set the pace in the latest valuation year. There is still high growth due to the high rate environment of the hard market. For the largest revenue band, acquisitions also played a meaningful role in their commissions increases. *Excluding profit-sharing and investments
PROFITABILITY MARGINS Pro forma EBITDA margin reflects an agency’s profitability after owner discretion expenses and non-insurance related revenues are removed from the agency’s financials. We can see that pro forma profitability has yet to dip below 25% for insurance agencies in our sample. The most profitable agencies have been the $2M - $5M revenue group, as they are beginning to benefit from economies of scale. However, as they grow, their profitability declines due to rising expenses associated with scaling. Reach out to Jarod at jarod@ohioinsuranceagents.com for more 14 information.
VALUATION MULTIPLES The insurance agency value outlook is strong. Insurance agencies had another fervent year of value increase along all revenue groups. This growth is driven by high demand as well as private equity interest forcing all buyers to put together lucrative financial packages to sellers.
8.7% INCREASE Average EBITDA multiple increase over 2024
AVERAGE INCREASES OVER 2024
15.1%
It is increasingly rare to hear of an agency being “too small” for a buyer to look at. Agencies in this revenue group experienced the most commissions relative to growth last year.
$500k - $1M Agencies
9.2%
This revenue group saw their average multiple increase 0.8 points. Their commissions growth has remained rock solid at 11.8% on average this year.
$1M - $2M Agencies
5.9%
This group’s average multiple increased by 0.4 points. They still saw great commissions growth and strong pro forma profit, so they also saw their multiple increase.
$2M - $5M Agencies
7.4%
This group is on the verge of having an average multiple in the 9s for the first time. Historically, this group has been the most profitable in actual and pro forma EBITDA, driving high values.
3.8%
How do the big keep getting bigger? When commission growth goes from 10.6% to 30.8%, values are going to be higher. This group also has the youngest weighted average shareholder age.
< $500k Agencies
>$5M Agencies
15
OHIO MARKET PERFORMANCE IA SYSTEM CONTINUES MARKET SHARE DOMINANCE Provided by: Real Insurance Solutions Consulting, LLC
Data shared summarizes 2024 data available from the A.M. Best Company report released in June 2025 and the Ohio Marketplace Report prepared by Real Insurance Solutions Consulting, LLC. Principal: Paul M. Buse at realinsurancesc.com
2025 Ohio Annual P&C Marketplace Summary Provided by: Real Insurance Solutions Consulting, LLC
Ohio property and casualty (P&C) Direct Premium Written reached $25.5 billion, ranking Ohio 11 of 51 states for total premiums in the United States. That is 2.4% out of $1.04 trillion in premiums nationwide. On a per capita basis, Ohio ranks 51 of 51 for all P&C premiums combined, 49 of 51 for Personal Lines, 51 of 51 for Commercial Lines, and 23 of 51 for Agricultural Lines. Lines of Business The largest Line of Business for independent agents was
Private Passenger Auto Performance in Ohio Ohio’s personal auto insurance market continued to be a major force within the state’s P&C sector. The market
All Private Passenger Auto, as determined by Direct Premium Written (DPW). The second largest Line of
mirrors national trends, where auto insurance makes up roughly 33% of all P&C premiums.
Business in Ohio was Homeowners Multi-Peril, and the third was Commercial Multi-Peril.
With over $9 billion in direct written premiums for private passenger auto, Ohio remains one of the top auto
Loss Ratios The Ohio average Loss Ratio across all P&C Lines of
markets in the Midwest. Affordability, however, has become a growing concern. Average premiums rose
Business was 58.3%, with the highest Loss Ratios occurring in Products Liability (94.6%), Private Crop (90.4%), and Other Liability (Occurrence) (75.0%).
sharply—by more than 50% in some parts of the state— due to inflation, labor shortages, parts supply disruptions, and a sharp rise in vehicle thefts. While Ohio
Nationwide in 2024 the average Loss Ratio was 62.3%, with the highest state-wide average Loss Ratio being 82.2% (Nebraska), and the lowest being 47.5% (Hawaii).
historically enjoys some of the most competitive rates in the country, last year marked a turning point, pushing many consumers to re-evaluate their coverage and
Across the United States, the Lines of Business with the highest Loss Ratios are Federal Flood (237.8%), Private
carriers to reassess their pricing strategies.
Crop (93.0%), and Multi-Peril Crop (85.9%). Independent Agent Penetration of the P&C Marketplace Independent agents controlled 64.5% of the Ohio P&C marketplace. This compares to the United States average of 61.5%, with the highest Penetration Rate being 78.8% (Massachusetts), and the lowest being 51.4% (Alaska). In Ohio, the top Penetration Rates by Lines of Business were: International (100.0%), Private Crop (99.9%), and Aircraft (all perils) (98.7%). In the United States, top penetration rates by Lines of Business were: International (100.0%), Multi-Peril Crop (96.9%), and Private Crop (96.4%).
Source: © A.M. Best Company
Largest Insurers State Farm was the largest insurer group overall in Ohio, writing 12.4% of all P&C premiums. Erie Insurance Company emerged as the largest Pure Independent Agent-Broker Distribution Style individual insurer, State Farm as the largest Exclusive-Captive Distribution Style individual insurer, and Progressive Direct Insurance Company as the largest Direct Distribution Style individual insurer.
17
State Farm is Ohio’s top all private passenger auto insurer, writing approximately $1.95 billion in direct premiums and capturing 21% of the market. With a loss ratio of 73% and a combined ratio of 99%, State Farm is hovering just below the break-even point for underwriting profitability. State Farm pays an average commission rate of 10%, which aligns with the standard range for personal lines. Progressive closely follows State Farm, holding 19% market share and writing $1.72 billion in premiums. Known for its strong digital presence and emphasis on usage-based insurance programs, Progressive’s loss ratio of 59% and combined ratio of 81% indicate outperforming the industry due to solid underwriting results and operational efficiency.
In addition, Allstate maintained its position as a solid #2 over 10% of the market, a 17% increase in premium YOY, and an impressive combined loss ratio of 79.8%. Particularly impressive for Allstate is its 5year combined loss ratio in Ohio of 92%. With the exception of two carriers, eight of the top ten Homeowners carriers experienced written premium increases between 3.4% to 34%. The two carriers that saw a decline in written premium—Liberty Mutual (including Safeco and State Auto) and Nationwide—likely did so after overcorrecting with aggressive rate increases over the past two years.
Source: © A.M. Best Company
Homeowners Multi-Peril Performance in Ohio In the Homeowners’ space, IAs write 58% of the Ohio market. IAs have been dealing with rate increases driven by more frequent convective storm activity and losses, roof claims, and increasing property values. IAs have
The top twenty carriers in Ohio write 92% of the state’s written premium.
experienced a significant increase in the number of clients asking them to remarket their account (some as high as 75% of their clients), and new business
This group remained largely unchanged in 2024, with the exception of Central Insurance, which fell to #23 and dropped out of the top twenty.
opportunities for clients have upset their increases from their captive or direct carrier.
The IA carriers that performed exceptionally well in 2024 Ohio’s Homeowners insurance market rounded out just
included Grange, with a 3.4% premium increase combined with an 80.1% loss ratio for the year. If this trend continues in Ohio—Grange’s largest state—it will
under $4.7B in written premium. This makes up 18.5% of the greater $25.4B insurance market in Ohio. The Homeowners market has increased 33% in the past 5
help improve their five-year nationwide average loss ratio of 106.4%.
years, holding firm with the rest of the insurance market. After two straight years of triple-digit loss ratios (2022 – 103% and 2023 – 115%), carriers were able to produce an underwriting profit by decreasing the loss ratio by 23% in 2024 to a combined ratio of 92%.
While the Homeowners market in Ohio appears to be softening, this is not a time for IAs to soften their communication and engagement with their Homeowners clients. They must stay proactive in their education and
In the Homeowners line of business (LOB), premiums increased by 14%. Commissions for agents increased slightly to 13.1%, up from 12.9% in 2023. For three straight years, carriers increased written premiums (33% since 2020), tightened underwriting restrictions, closed off the new business spigot, and non-renewed many homes with aging roofs. The results have proven to be successful.
annual reviews. It appears that IAs have weathered the worst of the Homeowners market, but it is unlikely to return to the pre-hard market environment. Carriers are not expected to reduce rates to pre-hard market levels nor remove the roofing coverage restrictions that have been implemented.
Premium increases have been significant over the past 5 years, but IAs have held steady in their control of their market share. In addition, combined loss ratios appear to be on the decline again. A combination of year-over-year rate increases, strong retention driven by hard market turmoil, and moderate storm activity helped carriers achieve the underwriting profits they were targeting in 2024.
Therefore, agents should continue to make sure their clients are well informed of the coverage changes and ways to reduce exposure while keeping their premiums affordable. Proactive communication and education are the best ways to stay on top of client engagement and reduce the risk of your client going somewhere else for their insurance needs.
The Ohio Homeowners market leader remained at State Farm, controlling approximately 21% of the market in 2024. Their combined loss ratio of 106% was less than stellar, but it did not affect their market position of #1.
Much like the final stretch of a roller coaster, this hard market cycle appears to be leveling out after a wild ride, signaling a return to smoother conditions. Another year of underwriting profits and things will start to feel normal again.
18
Ohio Independent Agent Penetration by LOB, 5-Year Penetration Rate
Source: © A.M. Best Company
Analyzing the overall performance of IAs in the Personal Lines (PL) market, we see IAs grew 0.7% according to A.M. Best Company. It’s worth noting this was the largest increase in the IA system in the past 5 years. Much of that growth was likely taken from the direct market (dropping 0.7%), indicating consumers are looking for an insurance advisor to provide an explanation and options during these recent times of rate increases.
Average Commission rates for Ohio agents were 12% across all lines of business. CL averaged 16.5%, while HO averaged 13% and Personal Auto averaged 9.1%. On average, commission rates remained the same between this year and 5 years ago. Ohio Direct Premiums Written: By Line of Business
Ohio Top 10 Lines of Business and 5-Years of Penetration Rates
Source: © A.M. Best Company
While holding 64% of the total market share, IAs continued to have majority stake in nearly all ten lines of business, most notable holding 88.4% of the Commercial Lines (CL) market. While down slightly YOY, IAs are still the predominate choice for business owners managing their risks.
Source: © A.M. Best Company
WANT MORE MARKET DATA? As part of your membership with OIA, you gain access to annual marketplace data as shown here. For the full copy of the 2025 Ohio Marketplace Summary, please contact Jeanie Giesler, OIA Resource Center Advisor, at jeanie@ohioinsuranceagents.com. 19
Top Insurance Carrier Results in Ohio 2024 Insurance Carrier Ohio Results
2024 Ohio Direct Written Premium
Percentage Premium
2024 Combined Ratio
2020-2024 Average
2024 Average Commission
Commission Change 2023 -
1. State Farm
$3,163,584,000
16.80%
101.40%
101.20%
10.20%
0.20%
2. Progressive
$2,174,900,000
17.40%
89.00%
89.10%
6.30%
0.30%
3. Allstate
$1,616,613,000
10.50%
81.70%
85.50%
9.90%
0.10%
4. Liberty Mutual Insurance Companies
$1,234,856,000
(6.4%)
82.80%
86.20%
10.60%
0.00%
5. The Cincinnati Insurance Companies
$1,085,879,000
11.30%
84.10%
85.00%
17.80%
(0.2%)
6. Erie
$1,010,147,000
22.60%
108.90%
109.60%
13.70%
(0.2%)
7. Berkshire Hathaway Insurance
$982,961,000
4.70%
73.40%
81.30%
5.50%
0.40%
8. Nationwide
$835,011,000
(9.7%)
86.40%
94.90%
14.20%
(2.8%)
9. Travelers
$826,095,000
10.20%
79.20%
89.90%
14.10%
0.50%
10. Grange
$718,346,000
3.90%
83.20%
92.90%
15.40%
1.00%
11. Westfield
$638,698,000
4.50%
79.90%
87.10%
15.60%
(0.4%)
12. Auto-Owners
$622,115,000
24.30%
89.50%
89.60%
17.70%
0.30%
13. Chubb
$620,052,000
0.70%
69.60%
75.40%
10.40%
0.50%
14. USAA
$539,780,000
9.60%
83.90%
93.80%
0.00%
0.00%
15. American Family Insurance
$499,368,000
8.70%
84.40%
94.80%
10.90%
(0.3%)
16. CNA
$388,042,000
8.30%
92.00%
92.70%
14.40%
(0.2%)
17. Farmers
$365,869,000
2.10%
83.90%
92.00%
10.40%
(0.2%)
18. Zurich Insurance
$365,866,000
1.00%
79.30%
71.00%
8.90%
(0.4%)
19. American International Group
$324,425,000
(5.8%)
69.30%
81.20%
12.80%
2.10%
20. Ohio Mutual Insurance Group
$291,037,000
10.60%
95.50%
97.80%
16.30%
0.90%
21. Western Reserve Group
$263,933,000
9.20%
94.50%
101.40%
17.20%
0.50%
22. Hartford Insurance Group
$252,324,000
14.00%
85.10%
91.20%
9.90%
0.30%
23. Tokio Marine
$233,122,000
(0.2%)
64.60%
73.70%
15.70%
(0.1%)
24. Encova Mutual Insurance
$232,087,000
5.00%
90.10%
92.00%
16.90%
0.30%
25. Great American
$231,002,000
19.70%
72.90%
80.40%
14.70%
(1.0%)
$25,494,139,000
8.90%
86.60%
88.40%
11.90%
0.10%
Totals
Source: © A.M. Best Company
A MARKET IN TRANSITION AND A CHANCE TO REBUILD TRUST 2025 INSURANCE CARRIER SATISFACTION SURVEY By: Dustin Mahrt, OIA
A MARKET IN TRANSITION AND A CHANCE TO REBUILD TRUST
2025 INSURANCE CARRIER SATISFACTION SURVEY Written by: Dustin Mahrt, Company Partners Manager
OIA’s mission remains clear: to promote, progress, and protect the professional advice and guidance that only independent agents can provide. To be successful in this mission, we must continually advocate on behalf of our members and strengthen the relationships that sustain our industry.
Agents rated their top three carriers across 10 categories partnership, competitiveness, underwriting, claims, technology, and more. By weighting responses by carrier count, the survey highlights both where trust is being rebuild and where gaps remain.
In 2023, our Carrier Relations Committee re-launched the Insurance Carrier Satisfaction Survey as a way to capture candid agent feedback and create a channel for dialogue with carriers. What began as a restart has now grown into a cornerstone benchmark with this year marking our third consecutive survey cycle and an increase of over 75% in the number of agent insights received.
The 2025 results tell a story of transition: Turnaround time remains the strongestperforming category, with average scores above 4.2. Partnership success improved slightly to 3.9, signaling early progress in trust and alignment. Company management and communication continue to trail other categories, underscoring the need for consistent engagement and leadership visibility.
The survey is more than a report card. It is a platform for transparency, a tool for accountability, and a roadmap for improvement. Each year, we provide these findings to the carriers, to our members, and to industry stakeholders. The intent is not just to measure satisfaction, but to actively bridge gaps, continue to build trust, and strengthen the independent agency system across Ohio. This is all made possible by the work of OIA’s Carrier Relations Committee.
This survey is more than a scorecard – it’s a catalyst for conversation. Each year we share these results with carriers and our members to drive accountability, strengthen relationships, and set the stage for a healthier Ohio marketplace.
Measuring Partnership, Performance, and Progress Now in its third year of revival, OIA’s Carrier Satisfaction Survey continues to provide a clear picture for how carriers are performing in the eyes of independent agents. This year’s survey generated more than 540 unique insights across more than 50 carriers, giving us a detailed view of the partnerships that matter most.
Pictured (left to right): Robert Strachan (Strachan Novak Insurance Services), Mark C. Russell (President and CEO, Ohio Mutual Insurance Group), Bill Montgomery (President and CEO, Celina Insurance) at IACON25
MEET OIA’S CARRIER RELATIONS COMMITTEE
Bill Brooker
Greg Carr
John Ferneding
Brandon Morgart
Scott Krebs
23
Rob Strachan
Shelley Taylor
Jay Wenger
Top Results from the Carrier Satisfaction Survey Featuring the average score of the category (1-5) and the three leading carriers:
Successful Partnership
3.89
Carrier Average
4.61
4.50
4.42
Turnaround Times
4.28
Carrier Average
4.46
4.50
4.45
Company Management
3.80 Carrier Average
4.47
4.35
4.34
Competitiveness
3.71
Carrier Average
4.01
3.97
3.96
Commission / Compensation
3.90 Carrier Average
4.52
4.41 24
4.21
4.21
Top Results from the Carrier Satisfaction Survey Featuring the average score of the category (1-5) and the three leading carriers:
Underwriting
3.87
Carrier Average
4.38
4.36
4.24
5 Year Success Rating
3.80
Carrier Average
4.46
4.73
4.43
Claims Handling
4.11 Carrier Average
4.53
4.56
4.50
Company Technology
3.34
Carrier Average
4.03
3.73
3.67
Billing System
3.94 Carrier Average
4.39
4.17 25
4.16
EMPOWERING AGENCIES THROUGH OIA’S INTERN PROGRAM
BRIDGE TO THE NEXT GENERATION Written by: Brian Lawrence, OIA Sr. Director, Talent & Professional Development
The OIA summer internship program continues to build momentum into our fourth summer. In 2025, thirteen agencies hosted nineteen interns for the summer, marking our largest program since we reignited the internship efforts in 2022. Since the program was launched, four interns accepted full-time jobs at their agency, four participated in the program for two years, and we anticipate that number to grow as interns graduate this spring. In fact, many of the interns continued to work part-time for their agencies while returning to school. Interns have helped agencies improve their websites, build social media marketing campaigns, solicit new business, and even enhance their IT capabilities.
Key Benefits of Investing in a Summer Intern Strategic Talent Pipeline Internships serve as a recruitment tool: Agencies can identify motivated, capable individuals who may become full-time employees after graduation. Interns often stay with the agency they interned with, reducing future hiring costs and onboarding time. Increased Productivity Interns can help tackle back burner projects like updating procedures, researching prospects for sales campaigns, and creating marketing campaigns. It's also ideal for them to learn the day to day client service work of the agency. Fresh perspectives and enthusiasm: Interns bring new ideas and energy, which can invigorate the team and spark innovation. Cost-Effective Support and Low-Risk Evaluations Due to the short timeline and level of experience, interns are a budget-friendly way to expand capacity. Try-before-you-hire model: Internships allow agencies to assess a candidate’s fit without committing to a long-term hire. Training investment is minimal compared to onboarding a
The results of the OIA internship program so far have been truly inspiring. Participating interns, while getting hands-on experience within agencies, also have the opportunity to network with other students and visit with carriers and state-level bodies. This past summer, interns visited with Central Insurance, Encova Insurance, the Ohio Department of Insurance, and the Ohio Statehouse. It’s become an excellent way for students to gain broader exposure to key industry players, but also to expand their professional development skills. Interns even had the opportunity to take part in an AI hackathon at Platinum Partner Westfield Insurance, building custom GPTs using OpenAI’s platform. We’d like to thank the following agencies for investing in the next generation through the OIA program this past summer: O'Neil Insurance Ace Insurance Phelan Insurance Bickle Insurance Platt! Insurance Kasmer Insurance Sylvia Garrett & Associates Kernan Insurance UIS Insurance and Investments Knight Insurance Wichert Insurance Mission Insurance Neil Coleman Insurance
full-time employee, and the agency can decide whether to extend a job offer based on performance. Industry Exposure and Education Promotes the insurance industry to younger generations. Builds goodwill with local universities and communities. If you’re considering summer internships, it helps to define clear goals, assign a mentor, and create a structured experience that benefits both the intern and the agency. Want help designing a summer internship plan tailored to your agency’s needs? Our team is happy to help you build one.
For more information about the summer internship program and hiring and training tools available, reach out to Brian Lawrence at brian@ohioinsuranceagents.com.
oia
AGENCY COMPENSATION TRENDS
OIA REPORT ON AGENCY COMPENSATION PRACTICES Written by: Brian Lawrence, OIA Sr. Director, Talent & Professional Development
Over the last four years, I’ve had the opportunity to learn more about agency compensation. The approaches continue to be as varied as the agency owners themselves. Decisions vary based on agency revenue, location, personal lines/commercial line split, job descriptions and structure, and individual management philosophy and culture. While every agency may have a slightly different approach, the primary goal of a compensation strategy is to attract, motivate, and retain the talent required to operate and grow your business.
Unemployment continues to edge up. The job market is cloudy. As of the last report provided by the Bureau of Labor Statistics, the seasonally adjusted unemployment rate in Ohio was 4.8%, compared to the national average of 4.3%. Absent the pandemic, the last time unemployment was above 5% was in 2017. Corporations have slowed hiring due to a cloudy economic outlook, tariffs, and the increasing prevalence of AI. This could be a good time for agencies to acquire new talent and sell them on the benefits of a career in the IA system.
This year, we were excited to launch Agency Comp 360 as our next step to help members manage this important process. Agency Comp 360 is the most comprehensive survey of compensation and benefits available. OIA’s research provides a good start, but the data we rely on from the Bureau of Labor Statistics is over a year old. To gain access to data directly from over 1,300 agencies nationwide, I encourage you to participate in this great new member benefit by taking the survey. Here are a few important trends to consider as you head into 2026: Inflation and corresponding salary increase budgets continue to be elevated. While the Fed initially projected inflation to continue dropping towards their 2% target in 2025, inflation remained elevated at around 3% as of the last Fed report in September. To account for inflation, employers are planning to increase their salary budgets by approximately 3.5% in 2026. This matches actual salary increases reported in 2025. (Data reported by Salary.com, Payscale, and the Conference Board.) Consolidation continues to increase the competition for talent. As agencies become larger and more efficient, they are able to offer more comprehensive pay and benefit packages. While smaller agencies may not be able to compete dollar for dollar, it is critical to understand the market and make adjustments where possible. I heard one story this year of a commercial account manager changing agencies for a 50% increase in compensation.
Note: September 2025 data is the latest available from the Ohio Department of Job & Family Services
Even with the rise in unemployment, the market is still very competitive to attract experienced talent. To attract and retain talent, agencies should consider: 1. Offering competitive pay and benefit packages. 2. Investing in and developing new talent out of high school and college. 3. Being open to new talent pools with transferable skills.
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COMPENSATION PRACTICES OVERVIEW OF KEY FINDINGS
The following information incorporates data from the Big “I” Best Practices Study & the Bureau of Labor Statistics. Full results, including compensation data on customer service representatives, account managers, and leave benefit and bonus structures can be found in the full OIA Compensation Study. The report will be shared with agency principals in January 2026!
$21.77
$21.61
According to the Bureau of Labor Statistics, customer service reps in agencies, brokerages, and other insurance related activities earned on average $21.77/hr. (Up 7% from 2023)
$28.15
Based on OIA data, employees with an Account Manager title earned on average $28.15/hr.
$27.29
The average hourly wage for all customer service representatives (all industries) in Ohio in 2024. This is an increase of 4.3% over 2023.
Employees with an account manager title earned on average $27.29/hr. This is 9.1% higher than last year and approximately 25% higher than a customer service rep.
3.50%
The average projected salary increase for 2025 according to Payscale's annual employer survey.
Producer Compensation Results OIA evaluated the average compensation (by agency revenue) as well as average commission percentages for producers within insurance. Overall, there is not a significant change in commission structure from the previous study shared. The differences are driven largely by the agencies selected as “Best Practice Agencies.” How to Use the Data Have a clear, datainformed compensation strategy, communicate it transparently with employees, and keep plans simple and easy to understand. Members can also contact our team to aid in creating compensation plans. Contact: Brian Lawrence, Sr. Director of Talent & Professional Development, at (614) 552-3048.
Producer - Average Earnings/% of Book Personal Lines
Commercial Lines
Life & Health
Agency Revenue
Earnings
% of Book
Earnings
% of Book
Earnings
% of Book
< $1.25M
$76,296
27.6%
$54,325
27.6%
$41,111
47.5
$1.25 - $2.5 M
$96,295
29.7%
$110,494
31.3%
$97,645
44.3%
$2.5 - $5 M
$92,722
35.2%
$192,904
31.0%
$21.337
48.2%
$5 - $10 M
$130,128
34.2%
$263,466
33.0%
$85,606
39.8%
$10 - $25 M
$142,514
36.6%
$288,942
31.0%
$105,489
35.5%
Producer - Average New Commissions Personal Lines
Commercial Lines
Life & Health
Commission
Top 25%
Commission
Top 25%
Commission
Top 25%
< $1.25M
$34,970
$57,722
$29,841
$43,411
$44,774
$44,774
$1.25 - $2.5M
$64,501
$57,959
$52,786
$49,257
$97,645
$136,507
$2.5 - $5M
$39,003
$48,131
$61,165
$69,072
$21,337
$28,156
$5 - $10M
$59,466
$68,196
$111,506
$146,456
$85,606
$77,852
$10 - $25M
$63,465
$99,164
$134,955
$162,949
$105,489
$176,809
OIA'S VOLUNTEER LEADERS SERVICE ABOVE SELF AND DEDICATION TO ADVANCING THIS HONORABLE AND NOBLE PROFESSION The OIA deeply values the outstanding leadership of our Board, a team of experienced insurance professionals who generously contribute their time, expertise, and insights. Their guidance is instrumental in shaping the OIA's vision and strategic direction. Their innovative ideas serve as the foundation for our annual goals and initiatives, ensuring we effectively meet the evolving needs of our members. In 2025, our volunteer leaders focused on identifying new opportunities to expand the services we offer our members. Their work enables us to better support agents in their daily operations while also strengthening their long-term growth and the future of the IA system. These efforts include broadening market access opportunities and exploring potential investments, positioning the OIA to serve our members even more efficiently. We are deeply grateful for their dedication and invaluable contributions!
OIA BOARD
Katie Watson
Andy Stephey
Matt Steele
OF DIRECTORS
Justin Buren
Eric Stolly
SERVICE CORPORATION BOARD
Steve Brown
Meghan Griffith Ragozzino
Blue text indicates Chair or Vice-Chair
John Koetz
Kelly Culley
Derek Sprouse
Bill Bishop IIABA National Director
FOUNDATION BOARD
Ryan Griffith
32
Christina Bernard
Chris Kendall
Brad Winters
OIA Committee Members THANK YOU FOR YOUR MANY CONTRIBUTIONS TO OUR INDUSTRY OIA's committee members volunteer their time on the important efforts that progress our industry and profession. We are honored to work with them to make meaningful changes in the IA system.
ADVOCACY & POLITICAL ACTION COMMITTEE
Jeff Sargeant
Diane Keil-Hipp
Patrick Bacon
Nicholas Bertke
Bill Bishop
Cameron Caryer
Sylvia Garrett
Janie Geis
Meghan Griffith Ragozzino
Eric Harmon
Dale Kaprosy
Michael Keenan
Aaron McElwain
Talbott Moon
Nick Roach
Mark Willis
FINANCE AND BUDGET COMMITTEE
Andy Stephey
Colleen Heister Miles
Blue text indicates Chair or Vice-Chair
Justin Buren
Kelly Culley
Kimberly Hilvers
33
Meghan Griffith Ragozzino
Andy Tomlinson
GOVERNANCE COMMITTEE
Steve Brown
Brent Phelan
Perk Reichley
Tom Sarno
Matt Simon
INNOVATION COMMITTEE
Adam Anspach
Tiffany Morgan
Chris Pipes
Amy Amstutz
Brian Ogle
Tyler Copeland
Brandon Rapp
Brad Kernan
Michael Sarno
The Innovation Committee was newly created in 2025. It is led by Chairperson, Adam Anspach, and Vice Chair, Chris Pipes. The committee seeks to identify and vet opportunities to improve the IA system. They discuss industry issues, hot topics, and trends, then brainstorm potential solutions to benefit IAs in that space. Going into 2026, the committee will focus on both Producer Development and Artificial Intelligence, with a focus on data privacy and compliance. If you have any ideas or concerns that you think the Innovation Committee should discuss, please reach out to Cristie Tillery at cristie@ohioinsuranceagents.com.
Blue text indicates Chair or Vice-Chair
34
OIA's Next-Gen Advisory Council
The goal of the Next-Gen Advisory Council is to provide member engagement and networking opportunities for the next generation of insurance agency leaders. In addition, this is an opportunity for agents to get engaged with OIA and become future leaders in the industry.
LEADING THE FUTURE OF OUR INDUSTRY
Scan to get involved with Next-Gen and learn about events happening in your area in 2026!
Amanda Phelan
Adam Augspurger
Nicole Bowles
Matt DeVries
Kendra Garrett
MacGregor Howey
Rick Jackson
Logan Kirk
Cassie Maddux
Brennan Madison
Alison Speck
Bethany Thompson
Mary Modene-Salahat
Julie Schatz
Kristi Sizemore
Are you planning to stay in the industry for 20+ years, dreaming of owning your own agency, or looking to connect with like-minded peers through OIA’s Next-Gen group? Take the next step! Scan the QR code or reach out to Colleen at colleen@ohioinsuranceagents.com to get involved and start shaping your future today!
Blue text indicates Chair or Vice-Chair
35
Public Service Award
2025 Awards
The Public Service Award honors an individual whose contributions exemplify outstanding public service and serve as a model for their community.
Every year, OIA proudly hosts our annual Awards Ceremony, a night dedicated to celebrating the exceptional commitment and achievements shaping our industry. We honor members
We want to congratulate Brian Lampton as the winner of this year’s Public Service Award!
and company partners whose passion and impact continue to strengthen communities and elevate the insurance profession.
Brian has become a true pillar of the Beavercreek community. He has been running Lampton/Engle & Associates for over 30 years, has served as the president of both the Beavercreek Chamber of Commerce and the Beavercreek Rotary Club, and he even finds the time to announce football and basketball games for Beavercreek High School.
Excellence in Leadership Award OIA’s Excellence in Leadership Award acknowledges an individual whose vision, integrity, and dedication inspire others, foster collaboration, and leave a lasting impact on their organization, community, and the insurance industry. This year, OIA celebrates Meghan Griffith Ragozzino of The Griffith Agency!
In addition to his efforts on the local level, Brian has been a leading voice in the Ohio General Assembly as a State Representative and the current Chair of the House Insurance Committee. He helps voice the concerns of independent agents across the state of Ohio.
Meghan exemplifies leadership that goes beyond achieving results. She is thoughtful in her remarks, shrewd in business, and always ready with a laugh – qualities that make her an exceptional leader and a joy to work alongside. A shining example of her leadership is her “Refer a Friend. Reward a Community.” program, where client referrals result in a donation to the community in the clients’ name.
Whether as an agent, a community leader, or a legislator, Brian Lampton embodies servant leadership. His dedication, integrity, and impact touch so many lives.
Community Service Award The OIA Community Service Award honors an independent insurance agent or agency that gives back to its community in incredible ways. This is always one of the hardest awards to give out, as so many agencies do so many great things to support their communities’ needs.
Meghan’s leadership extends beyond her agency; she has been a longtime volunteer leader with OIA, serving six years on the OIA Board and joining the Service Corporation Board in 2025. She has participated in Advocacy Days, IIABA National Meetings in Washington D.C., and Capitol Hill visits to advocate for independent agents and to help advance the IA industry.
This year, we would like to recognize Wichert Insurance with the Community Service Award! They have created two foundations to extend their commitment to the community even further.
Meghan’s vision, integrity, and lasting influence make her a true model of leadership. It is our honor to award her with this year’s Excellence in Leadership Award!
Eagle Award The OIA Outstanding Company Achievement / Eagle Award honors a company that has demonstrated exceptional achievement and superior performance in areas such as leadership, innovation, technology, perpetuation, and customer service – all to strengthen and support the independent agency system.
Through the Wichert Insurance
Foundation and the Insuring the Mission Foundation, they have created ways for their agency staff, clients, and friends to help their local community and have an impact globally through both shortterm and long-term mission efforts. They inspire all of us to think beyond ourselves and invest our time, talents, and resources in ways that truly make a difference.
Best Agency Video Each year, OIA recognizes an agency that uses video to share the story of the independent agent in a creative, concise, captivating, and memorable way through our Best Agency Video Award. We want to recognize Rob Strachan for his “Debunking Insurance Myths” video series! Rob uses short, one-minute social media videos to tackle common insurance misconceptions like “I don’t need cyber insurance,” “I’m young and healthy, I don’t need insurance,” and even “Do red cars really cost more to insure?” These videos are smart, engaging, and educational, while showcasing the value of the independent agent.
We are proud to recognize our company partner, Arlington/Roe, a family-owned, Midwest-based MGA and wholesale broker that has shown true partnership to OIA over the years! Their dedication to access, innovation, and agency support has made them a critical resource for agents navigating complex or hard-to-place risks. Arlington/Roe’s service model, responsiveness, and underwriting expertise consistently stand out, helping our agents protect their clients while also supporting agency growth. Thank you to Jim and Patrick Roe and team for traveling to attend our Awards Ceremony and connecting with our members. It is our honor to celebrate Arlington/Roe’s exceptional contributions to the IA system with this Eagle Award!
38
Scan the QR code above to watch these videos on Strachan Novak Insurance Services’ LinkedIn page!
OIA Citation
Lifetime Achievement Award
The OIA Citation honors individuals who have made a lasting impact on the insurance industry, the independent agency system, and OIA. This year’s recipient is Don Ritchey, owner of The Block Agency!
The final 2025 OIA Award is the Lifetime Achievement Award. This award honors an individual whose career, vision, and dedication have left an enduring mark on the insurance industry and inspired generations of professionals. We are proud to honor Jerald Tillman, owner of JL Tillman Insurance Agency and founder of NAAIA, the National African American Insurance Association!
Don has had an impressive 35-year career and has successfully transitioned ownership to two of his producers, ensuring the Block Agency’s legacy will continue for years to come. Don has been a passionate supporter of OIA, and his commitment to giving back to the industry reflects the noble and honorable values of the independent insurance agent. We are deeply grateful for Don’s leadership, dedication, and lasting impact on the Ohio independent agency system. It’s members like Don that make our Association stronger. Thank you for your years of support and for being a model for independent agents everywhere!
Jerald’s remarkable vision and commitment to diversity and inclusion transformed the industry, creating opportunities for countless African American professionals and fostering a network of support, mentorship, and education that spans the nation.
Board Service Awards Each year, OIA recognizes the Directors whose Board terms have concluded. This year, OIA had the honor of recognizing two incredible individuals for their time and commitment to the OIA. We want to spotlight an individual for her dedication to OIA and service. OIA wants to thank Katie Watson, of Insurance Agency of Ohio, for 7 years of dedicated service on the OIA Board of Directors. Katie began her service with OIA back in 2012 as a committee member, and has since served as National Director to the Big “I,” was elected to the OIA board, and will end her tenure on the Board as Chair since 2023. Katie’s leadership is marked by thoughtfulness, collaboration, and a genuine passion for the industry. Her inquisitive nature and generous spirit consistently elevate discussions and inspire those around her.
Over the years, Jerald has turned his ambition to own his own business into a legacy. In 1997, he founded NAAIA here in Ohio, and today the organization has grown to more than 30 chapters nationwide, providing mentorship, professional development, and recognition for insurance professionals of color. His impact extends far beyond his own agency – he has truly elevated the profession and inspired a culture of inclusivity, excellence, and collaboration. Jerald Tillman’s dedication, vision, and lasting influence exemplify the meaning of a lifetime achievement. It is an honor to recognize him with the 2025 OIA Lifetime Achievement Award.
Lucky for us, Katie will be continuing her service in other capacities on the OIA Service Corporation Board. We also want to commemorate another individual for his time, energy, and passion to advance the independent agency system through OIA. The legacy of leadership he leaves for the next generation is one of integrity, inspiration, and honor. OIA recognizes John Koetz of W.E. Davis Insurance for his years of volunteer leadership.
Congratulations to all the recipients! Each year, this event gives us the chance to spotlight the incredible work our members are doing in their communities. Your passion, dedication, and impact truly represent the best of who we are. Thank you for inspiring us through your achievements and your commitment to making a difference.
John is rolling off the Service Corporation Board at the end of the year after decades of service to the OIA. John began his volunteer career in the 1980s, has served on more than a dozen committees and task forces, has been named Agent of the Year, served as PIA President, and received a Lifetime Achievement Award. He was also one of the initial directors of the Service Corporation. John has truly given his time, talent, and treasure in service to the OIA and the Independent Agency system and we could not be more grateful.
Past OIA Board Chairs, pictured above (left to right):
We are deeply thankful for their contributions as they have guided the association for the betterment of independent agents throughout Ohio. Congratulations, Katie and John!
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Steve Brown, Payne & Brown Insurance Perk Reichley, Reichley Insurance Agency Matt Simon, CoverLink Insurance Jeanie Giesler, OIA John Koetz, W.E. Davis Insurance Agency Mike Grushon, Thomas & Grushon Insurance Jeff Lewis, Putnam White Lewis Insurance Agency Brent Phelan, Phelan Insurance Agency
ADVOCACY CHAMPIONING ISSUES IMPACTING OHIO'S INDEPENDENT AGENTS, INSURANCE CONSUMERS AND BUSINESSES.
OIA’S ADVOCACY AND POLITICAL EFFORTS ARE FOCUSED ON IMPROVING OHIO’S INSURANCE MARKETPLACE IN THE FOLLOWING WAYS: Advocating for the protection of Ohio’s stable and predictable legal environment by tackling lawsuit abuse and fighting for the safeguarding of Ohio’s tort reforms
BE AN ADVOCATE FOR OHIO’S INDEPENDENT AGENT GRASSROOTS ADVOCACY
OIA staff and members meet regularly with legislators at the Ohio Statehouse and on Capitol Hill to educate them on important issues.
Increase the non-renewal and cancellation notification period from 30 to 60 days Storm scammer protections for your clients Defeated proposals for increasing taxes on insurance commissions and premiums
TELLING THE IA STORY
We educate legislators on the valuable role independent agents play as trusted risk advisors & insurance experts to Ohioans.
We support candidates who champion policies promoting a strong economy & competitive insurance marketplace
Donate to the PAC
ADVOCACY CONTACTS
OIA PAC RAISED:
$58,000+ this year to support legislative and judicial candidates who promote a healthy business climate in Ohio.
George Christy
Government Affairs Manager
Jeff Smith - JD, CIC, CAE Chief Executive Officer
Scan the QR code with your phone or visit www.ohioinsuranceagents.com/advocacy/pac
2025 PAC CONTRIBUTORS DIAMOND LEVEL ($1,000+) BILL BISHOP• KEVIN PERKINS • HIGGINBOTHAM PLATINUM LEVEL ($1,000) BRENT PHELAN • JEFFREY SARGEANT • PERK REICHLEY • ROWLAND LEMASTER • STEVE BROWN • THOMAS SIMON • UMBERTO FEDELI • WESTFIELD • DANIEL CASSIDY • ANDY STEPHEY • DONALD RITCHEY • JUSTIN BUREN • JEFF SMITH • NICK ROACH • GREG OVERMYER • JOHN KOETZ GOLD LEVEL ($500+) MICHAEL HEISTER • BILL LUCAS • BRAD LAMOREAUX • BRANDON RAPP • JOE MARSH • KENNETH KNIGHT • MICHAEL HYLANT • NICHOLAS BERTKE • ROBERT GRIFFITH III • JANIE GEIS • AARON MCELWAIN • BRENNAN MADISON • BRAD BUSH • CAMERON CARYER • CRAIG HASSINGER • DAN BITLER • CRAIG WILKS • THOMAS SCHIFF • JOHN SCHIFF • LAWRENCE SIMMONS • DIANE KEIL-HIPP • SHELLEY TAYLOR • KATIE WATSON • DOUGLAS RENO • JOHN FERNEDING • KURT HAMLER • ADAM ANSPACH • AMY ROBERTS • A.J. SCHMID • DARRICK HUMMEL • DALE KAPROSY • DEREK SPROUSE FOUNDERS LEVEL ($250+) JON WADE • JEANIE GIESLER • DANIEL HENERY • PHILIP ALGE • TOM OLSZOWY • DENNIS ROSSI • WILLIAM ISAAC • VAUGN TROYER • THOMAS SCHNEIDER • KIRT TRIMBLE • JAMES SIMON • JOHN SHULTZ • ROBERT STRACHAN • TOM SARNO • MEGHAN GRIFFITH-RAGOZZINO • TY BUTTERFIELD • RYAN GRIFFITH • JEFFREY WILLIAMSON • KIMBERLY HILVERS • KELLEY CULLEY • AL THOMAS • ROBERTO COBOS • ADAM DELONG • BRANDON MORGART • DAVID COONS • EDWARD DRESSEL • ERIC HARMON • GERALD ROACH • JEFFREY GISSER • MATT STEELE • RYAN PESSELL • WILLIAM SCHRADER • COLLEEN MILES • BRIAN SEITZ • SCOTT SAUNDERS • CASSIE MADDUX • DOUGLASS WEATHERBEE • ROBIN HAMMOND • JODY GEIGER • LOREN BLACKSTONE
CENTURY LEVEL ($100+) STEPHANIE LARCOM • JAY WENGER • TIM ABLE • JASON BROFFORD • ADAM AUGSPURGER • CHRIS VALLOS SR • RYAN KEENAN • GARY LUKEN • DEEANN BLAKE • AMY WINKELMAN • MARILYN CLARK • TODD WINTER • TIMOTHY ZINSER • JOHN FLICKINGER • KYLE PAUL • DAVID BOOTH • DALE DERR • RICHARD PILAT • CHRISTIAN MERKLINGER • RALPH GUARASCI • MATTHEW YOST • JEFFREY BUREN • KIM GILLES • MELINDA YERIAN • TIM MILLER • MARK KNEFLIN • JON SAUL • STEVEN SCHNEIDER • MICHAEL SARNO • RICHARD MOENING • NICHOLAS SARNO • ERIC STOLLY • LOGAN KIRK • JOHN HORVATH • JOHN KATZBACH • TODD PHELAN • PAUL BUTTERFIELD • CAMMIE FLORES • DAN OVERMYER • MARK BERNHOLD • BRUCE BERNHOLD • AMANDA PHELAN • PATRICK BACON • BLAIR DAVIS • BRIAN FEY • CYNTHIA FORTMAN • CHRISTIAN RAMSBURG • JAMES SANER • DANIEL MCBANE • NICHOLAS KOETZ • DEAN FELLOWS • TALBOTT MOON • JOSEPH SCHWIERLING • THOMAS JOHNSTON • KIM LIMES • EDWARD PFISTER • ANDREA VARABKANICH • JASON SARNO • BARRY SCHMIDT • GRETCHEN SCHMIDT • ZACHARY SCHMIDT • GEORGE CHRISTY • JB CIVILLE • MARK GRIMM • AARON ANSPACH • ZACH ARMY • ROBERT ROTH • MICHAEL STOCK • JOHN DEMITH • MELISSA COOK • JAMON SELLMAN • MARK HEITMAN • GARRETT GRAY • NATE SCHULTZ • TIM BOWERS
TEAM LEVEL ($99 +/-) BLYTHE FRIEDLEY • JEFF LEOPOLD • DUSTIN MAHRT • JOSEPH GERMANA • PAUL HERSHEY • MATTHEW HULL • HUNTER JOLLIFF • LOGAN LONG • NANCY SEIFERT • JOHN FERGUSON • DAWN KUHN • CRAIG NIESS
Thank you all for helping make 2025 a record year for OIAPAC contributions! To contribute to the PAC, go to www.ohioinsuranceagents.com/advocacy/pac/ or contact George Christy at george@ohioinsuranceagents.com. *DONATIONS RECORDED AS OF 12/19/2025
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UPCOMING EVENTS WITH OIA LEADHERSHIP COLLECTIVE
leadHERship
collective
Don’t miss the third year of our phenomenal Women’s event, LeadHERship Collective, with featured speaker, Meg McKeen. Tickets will go on sale in January; act fast!
March 18-19 | The Exchange at Bridge Park “This was absolutely what I needed to ‘recharge’ and ‘reset’! Powerful speakers and great blend of both off the cuff and planned presentations . . . Can’t wait to come again next year!“ -2025 participant feedback
Meg McKeen
IACON: OIA ANNUAL CONFERENCE
OIA's annual conference, IACON, is the largest gathering of independent insurance agents in Ohio. It's where agents, carriers, and company partners come together to learn, connect, and shape the future of insurance. The two-day event is made up of power-packed sessions, cutting-edge insights, and game-changing strategies—and 2026 will be no exception.
September 29-30 | The Exchange at Bridge Park
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EDUCATION WHEREVER YOU NEED OIA’S LEARNING PORTAL THE GO-TO AGENT EDUCATION RESOURCE
24/7 ON-DEMAND CE COURSES
CUSTOM COURSE DELIVERY
WEEKLY WEBINARS
P&C PRE-LICENSING
Visit learning.ohioinsuranceagents.com to see our full course offerings!
Registration now open
NEXT COURSE: February 16-20
Flexibility in Learning:
Member-Exclusive Pricing:
Highly Qualified Instructors:
Study & Test Prep Resources:
Self-paced study with live webinar instruction OR fully self-study (coming in 2026)
Members - $359 Nonmembers - $389
50+ years of combined industry experience
Students get an electronic course manual at no additional cost and a practice exam
Seth Conwell, Booher Insurance
"Thank you [OIA] for helping us throughout the course. I appreciate your attention to detail with every little matter in the course. All the effort you all gave to the course made it very easy to pass the test!" 44
BUILT-IN SUPPORT STARTS HERE
E&O INSURANCE OIA’s E&O program has focused on protecting Ohio independent agencies for over 60 years. This longstanding commitment to safeguarding our members is a cornerstone of our business. Your agency’s insurance protection is important and deserves our exclusive focus. Our team has more than 50 years of experience in the E&O industry. Let us provide you with helpful information and support so you can select a policy that meets your requirements. We assure you one thing – your agency’s protection will always be our #1 priority. Contact us today! LEARN MORE
We had had such a long-term relationship with our previous carrier for this coverage. However, the ease of doing business with OIA and their guidance calmed our insurance jitters. - Kevin Perkins, Perkins Insurance
Market Access Solutions HELPING YOU HELP YOUR CLIENTS WITH ACCESS TO ADDITIONAL MARKETS
OIA offers exceptional insurance initiatives to independent agents and their clients. Your agency can choose from a variety of options with your OIA membership to determine which policies benefit your agency’s clientele and fit your market expansion needs.
As part of your OIA membership, you have access to Alliance Blue - an exclusive online market placement center. Learn more about Blue Plus and Gold!
OIA members can assist clients in protecting their assets with RLI’s Personal Umbrella Policy (PUP).
OIA and Sedgwick have partnered to offer a Workers’ Compensation program to give your agency and clients access to support, stability, and savings!
NEW PROGRAM ALERT! OIA has some exciting new programs in the works for 2026 to aid your agency in access to markets. Scan to register for a webinar to learn more, or you can reach out to the Market Access Manager, Cristie, at cristie@ohioinsuranceagents.com to learn more about all our market access programs and to get exclusive access to our new programs in 2026!
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TO OUR 100 COMPANY PARTNERS FOR CONTINUED SUPPORT OF OIA AND ITS MEMBERS:
We’re proud to lead the charge in driving meaningful change for independent insurance agents, both today and into the future. Our success is fueled by the unwavering support of our company partners, who play a vital role in helping agencies navigate the complexities of today’s marketplace.
PLATINUM PARTNER
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GOLD PARTNERS
SILVER PARTNERS
BRONZE PARTNERS Aegis General Insurance Agency
Liberty Mutual/Safeco/State Auto
Celina Insurance
Orion180
Central Insurance
Pekin Insurance
Grange Insurance
Secured Advantage
Imperial PFS
Sedgwick Managed Care Ohio
Jencap
Selective Insurance
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COPPER PARTNERS Harbor Risk Acuity, a Mutual Insurance Company The Hastings Insurance Company Agency Revolution HawkSoft Client Management System Agency Software, Inc. Honeycomb Insurance Allstate/Encompass/National General Ideal Agriculture American Collectors Insurance Independent Mutual Fire Insurance Company Applied Systems Indiana Farmers Insurance Argosy Risk Specialists InsBOSS Auto-Owners Insurance Co. Ironpeak Berkshire Hathaway Guard Insurance Companies J. M. Wilson Berkshire Hathaway Homestate Companies Keystone Agency Partners Bloss & Dillard, Inc Keystone Insurers Group Branch Insurance Lancer Insurance Company BrightFire Live Oak Bank Loyal Christian Benefit Association (LCBA) Buckeye Insurance Group Markel Insurance Company Burns & Wilcox Mennonite Mutual Insurance Company Cinch Home Services National American Insurance Company (NAICO) The Cincinnati Insurance Companies Ohio FAIR Plan Club Capital Osgood Bank Commonwealth Insurance Penn National Insurance Conifer Insurance Services Pennsylvania Lumbermens Mutual Cover Desk Seneca Insurance Company EMC Insurance Companies SIA Ohio ePayPolicy Swiss Re Corporate Solutions Equis Consulting USG Insurance Services FCCI Insurance Group Utica First Insurance Co Wayne Insurance Group First Choice, A MarshBerry Company West Bend First Connect Western Reserve Group Frankenmuth Insurance W.R. Berkley Corporation Grinnell Mutual
Hagerty Hanover Insurance Group, Inc.
(Agribusiness, Mid-Atlantic, Management Protection)
Wright Flood XS Brokers
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JANUARY 2026 ISSUE
C NNECT
CONNECTING THE PRESENT TO SHAPE THE FUTURE
NEWS & BLOGS 2025 Top Reads 1. “2025 Unemployment Law Updates: Essential Insights for Agents” 2. “Carrier Crackdowns on Roof Coverage: Be Prepared” 3. “Legislation Introduced to Increase Minimums for Auto Policies” 4. “Carriers Changing Policy Forms for Roof Coverage” 5. “Analyzing Roofing Policy Changes in Homeowners Insurance” 6. “The Ripple Effect of CA Wildfires: OH Market Could Soon Feel Heat” 7. “Rising Premiums: Why Underwriting Transparency Matters for Ohio Consumers” 8. “Return to the Office - An Accelerating Reversal of Remote Work” 9. “The Quiet Reason Many Agents are Selling Their Agency” 10. “The Case for Online Insurance Verification in Ohio” Interested in catching up on what you might have missed? You can find these and all our other articles under “News & Events” on our website!
Don’t Miss the January Issue of IA Connect OIA delivers a monthly newsletter, straight from our industry professionals to your inbox, packed with latest news, blogs, resources, and industry updates! Stay informed with legislative highlights, operational tips, and member milestones. Don't miss out on IA Connect, the go-to resource for Ohio agents.
Not receiving IA Connect or OIA Resources? Sign up to receive our email communications! To gain access to the newest resources and news affecting the industry, scan this code to receive emails and updates! 50
2026 Preview TOP 10 OIA INITIATIVES FOR YOUR AGENCY AGENCY PROTECTION
HR SOLUTIONS
For over 60 years, OIA has served as the agent’s agent. Unlock coverage with E&O, Cyber, EPLI, and Umbrella insurance programs. Access training, education, best practices, and procedures to protect your agency.
Exclusive IA job board with access to hiring tools and hundreds of candidates. Robust internship program feeding the IA system and your agency with future insurance professionals. Compensation studies to support your hiring and retention strategy.
AGENCY RESOURCES
MARKET ACCESS
From resource guides that answer all of your agency questions to expert advice from our team of insurance and legal experts, OIA is your complete resource partner.
Helping agencies get access to direct carrier appointments, market access placement, the right carrier mix and assess aggregator and network terms, conditions and relationships.
WORKERS' COMP GROUP
ADVOCACY
RATING & RETRO PROGRAM
OIA and Big “I” National advocate for IAs on state and federal issues that affect your agency, from taxes to storm chasers, uninsured motorists, to a level playing field with carriers, and much more.
OIA members have the opportunity to join one of the largest group rating programs to save money for yourself and your clients. Earn commission, access safety training, and get expert claims management with Sedgwick!
BUSINESS PLANNING TOOLS
EDUCATION
Realize and maximize your value with IA Valuations. Valuations, perpetuation planning, M&A advising, and consulting services help you understand your agency's value and plan for milestones within your agency.
We have in-person, live virtual, on-demand, and weekly Webinar Wednesdays to ensure that you and your team stay educated on the latest industry trends and compliant with licensing requirements.
CARRIER RELATIONS
FOUNDATION SCHOLARSHIP
Allow OIA to advocate for you with carriers and use the annual Carrier Satisfaction Survey to foster deeper conversations with your carrier partners.
OIA wants to continue to award agents with Foundation Scholarship dollars to help offset costs related to professional development, designations, agency growth, and more. 51
2026
BRINGING NEW MARKET ACCESS OPTIONS TO OHIO AGENTS
OIA is entering 2026 with a clear focus on strengthening the IA system through expanded market access, enhanced training, and strategic advocacy. As the market begins to ease, we’re committed to delivering the support, resources, and protections Ohio agents need to thrive in the year ahead.
As the hard market of the past seven years finally begins to stabilize, we know the IA community is still in need of relief. Agency staff is still trying to catch their breath and they are looking for additional solutions for their clients and their community.
This year, we successfully launched our pre-licensing program to serve agencies with their onboarding and training needs. As new insurance professionals are entering the space, we are expanding with both hybrid and independent study options for 2026.
With these struggles in mind, OIA made it our mission to put market access solutions at the top of our priority list for 2025. Our goal was to provide a variety of options, through your already existing OIA membership, to determine which policies benefit your agency’s clientele and fit your market expansion needs. We dedicated a fulltime staff member, Cristie Tillery, as the Market Access Manager to help support agencies with market placement needs, direct carrier appointments, and develop the right carrier mix in their agency.
Our advocacy efforts are at the forefront of our goals for our members. In 2026, the OIA advocacy team will be focusing our political efforts on improving Ohio’s insurance marketplace by supporting the protection of Ohio’s stable and predictable legal environment. Tackling lawsuit abuse, safeguarding tort reforms, increasing the non-renewal and cancelation period, and stopping storm scammers are some of our highest priorities for Ohio IAs. We greatly appreciate your support and membership in OIA, and we look forward to continuing to be your partner and supporting your agency through any new challenge.
While we have some great market access options already, 2026 is poised to be our biggest year with additional expansion to support your agency’s growth. 52
As your strategic partner, we’re here to help.
Association Executives
Jeff Smith, JD, CIC, CAE Chief Executive Officer (614) 552-3056 jeff@ohioinsuranceagents.com
Jody Geiger, MBA Chief Operating Officer (614) 552-3066 jody@ohioinsuranceagents.com
Marketing
Dawn Kuhn Chief Financial Officer (614) 552-3055 dawn@ohioinsuranceagents.com
Alex Bowie Sr. Marketing and Communications Manager (614) 552-3068 alexb@ohioinsuranceagents.com
Colleen Barbara Marketing and Communications Manager (614) 552-3059 colleen@ohioinsuranceagents.com
Agency Relations
Craig Niess, CVA, MBA Director of Business Planning & Valuation (216) 288-8409 craig@ohioinsuranceagents.com
Jodie Shaw, CLCS, CPIA Director of Business Development (614) 552-3036 jodie@ohioinsuranceagents.com
Jeanie Giesler, CISR, CPIA Resource Center Advisor (614) 552-3054 jeanie@ohioinsuranceagents.com
Dustin Mahrt, API Company Partners Manager (614) 552-3087 dustin@ohioinsuranceagents.com
Cristie Tillery, CIC Market Access Manager (614) 552-3041 cristie@ohioinsuranceagents.com
George Christy Government Affairs Manager (614) 929-8237 george@ohioinsuranceagents.com
IT and Data
Andrea Heiss Brian Lawrence Membership Experience Manager Sr. Director, Talent & Professional Development (614) 552-3064 (614) 552-3048 andrea@ohioinsuranceagents.com brian@ohioinsuranceagents.com
Jarod Steed Business Planning and Valuation Analyst 614-552-3065 jarod@ohioinsuranceagents.com
Finance and Administration
Navpreet Kaur Donny Houck Staff Accountant Technology & Information Systems Manager 614-552-3045 (614) 552-3086 navpreet@ohioinsuranceagents.com donny@ohioinsuranceagents.com
Buffy Terry Office Manager (614) 552-3066 buffy@ohioinsuranceagents.com
Katherine White Governance Manager (614) 552-3051 katherine@ohioinsuranceagents.com
Agency Services
Ashley Riley, API, PLCS Director of Risk Management (614) 552-3052 ashleyr@ohioinsuranceagents.com
Katie Gratton, CIC, CISR, CPIA Account Executive (614) 552-3042 katie@ohioinsuranceagents.com
Stacy Rosenthal, CISR, CPIA Account Executive (614) 552-3058 srosenthal@ohioinsuranceagents.com
Teresa Hinkle Account Manager (614) 552-3063 teresa@ohioinsuranceagents.com
Valeria Ashcraft E&O Account Manager (614) 552-3049 valeria@ohioinsuranceagents.com
Professional Development
Ashley Fitzsimmons Director of Professional Development (614) 552-3043 ashley@ohioinsuranceagents.com
Valencia Henderson Events Coordinator (614) 552-3053 valencia@ohioinsuranceagents.com
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Rachel Davis P&C Training Specialist (614) 552-3086 rachel@ohioinsuranceagents.com
For general questions, please call our team at (800) 555-1742.
Contact Us: ohioinsuranceagents.com • (800) 555-1742 4266 Tuller Rd • Dublin, OH 43017