Camargo Insurance
For over six decades, Camargo Insurance has been focused on serving our clients with top-notch customer service. With our service-first approach, we are here to help make insurance simple, whether you just need coverage for yourself, your family, or your business. With a variety of coverage options available, and by representing multiple insurance companies, we are able to bring you the best service and insurance.
Our experienced agents strive to build connections with you, ensuring you not only get the right insurance based on your needs, but also by being there for you in your time of need. It’s our personal touch to insurance that sets us apart, but making a difference in your life by protecting what matters most is what we’re all about.
With our local office in Cincinnati, OH, we are proud to serve clients throughout the region, including Ohio, Indiana, and Kentucky. Whether you are getting insurance for the first time, or you are looking to switch for better coverage, get in touch with our team today to get started. Read more about us!
Get Your Insurance Quote
As an independent agency, we are here to help you find the right coverage.
The Solution To Your Insurance Needs
Providing a variety of personal insurance, business insurance, specialized business insurance, and employee benefits solutions is what Camargo Insurance does best.
What Makes Camargo Insurance Special
Here’s what sets us apart when it comes to serving your insurance needs.
Experienced Agents
Our team of experienced agents can understand your needs to find the right coverage and offer advice.
Clients Come First
We are dedicated to serving your needs, that’s why we put the best interests of our clients first.
Personalized Service
We are here to answer your questions, update your policies, review your coverage, and ensure you’re protected.
Tailored Coverage
We have the experience and industry insight to ensure you, your family, and your business are protected.
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
“Best insurance broker we've ever worked with. Very personable and professional, saved us a bunch of money with better plans!”
Cody Ossenbeck
“They offer top-notch customer service and are always there to answer questions or explain the many different types and kinds of insurance.”
Brent Bielinski
Real clients. Real reviews. Real coverage.
“If you want or need a team who really gets to know you and goes above and beyond in regards to service, Camargo fits the bill.”
– Sarah Stewart
80+ 5-star reviews on Google
Check out our reviews and see why you should switch to Camargo Insurance.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Commercial General Liability Coverage
Risk Factor
As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.
Solution
Commercial general liability insurance is an absolute necessity for every contractor. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.
Commercial Property Coverage
Risk Factor
When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.
Solution
Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
Contractors' Equipment Coverage
Risk Factor
You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. And without your specialized tools and equipment, your job site may come to a screeching halt.
Solution
As a contractor, you need contractors' equipment insurance - a policy specially designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, contractors' equipment insurance often covers losses caused by floods and earthquakes.
Builders Risk and Installation Insurance
Risk Factor
A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. As a contractor, you may be responsible for unique loss exposures related to buildings under construction such as the theft of building materials and high valued equipment such as generators and compressors.
Solution
Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.
Workers’ Compensation and Employers Liability Coverage
Risk Factor
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Solution
Workers’ compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.
Business Auto Insurance
Risk Factor
As a contractor, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your contractor business in financial jeopardy.
Solution
Business auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.
Hold Harmless / Additional Insureds
Risk Factor
If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor or subcontractor causing damage to people or property of your mutual customer.
Solution
Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.
Commercial Umbrella / Excess Insurance
Risk Factor
Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.
Solution
You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over your general liability insurance, workers’ compensation, business auto, and directors and officers liability insurance. It provides a great safety net and helps ensure your contractor business is well protected.
Contractor Insurance 101
Make sure you cover the unique risks you face with contractor insurance.
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Our Partners
As a local business ourselves, we appreciate your trust in us. That’s why we only recommend other businesses that live by the highest standards of customer service.
