Business & Personal Insurance Options.

Call 513-662-7000 or 239-349-3521.

Pathway Insurance is a leading independent agency with office locations in Ohio and Florida, offering great options for Business Insurance in Ohio and many other states.

You can request information and quotes utilizing our online information and quote request system. Look below for links to the specific type of business insurance you need. Click the link, complete a few details about your business, and one of our agents will call, email, or text you.

In addition, our chat system is available seven days per week up until 5 PM. Want to chat with a licensed agent right now? Click our Chat Button! You can also send us a text message by texting 513-662-7000.

We offer Business Insurance in many Industries.

We specialize in offering competitive Business Insurance options for many different industries, including but not limited to:

Non Emergency Medical Transportation Insurance (NEMT Insurance)
Contractors Insurance (all types from handyman to General Contractors Insurance)
Towing Insurance (including repo)
Landlord Insurance for Rental Properties (Residential and commercial)
Garage Insurance, including Repair and Body Shops (Includes Insurance for Mobile Mechanics)
Car Dealership Insurance (New and Used)
Insurance for Taxi, limo, and shuttle services.
Restaurant Insurance
Office Insurance

Non Emergency Medical Transportation Insurance – NEMT Insurance is a growing industry as our population ages. We offer Non Emergency Transportation Insurance with many insurance carriers.

To begin the quote process for Non Emergency Transportation Insurance, please click on NEMT Insurance Quote, call our office at 800-998-0662, or send us a text message to 513-662-7000 stating you want a NEMT Insurance Quote. Non Emergency Transportation Insurance is a challenging business class, with few carriers willing to write this particular line of business. Why are so few Carriers offering NEMT Insurance in the industry?

One reason most carriers shy away from passenger transportation is the possibility of larger liability claim settlements. For instance, many insurers have no problem issuing Commercial Auto Insurance for Contractors. However, they may avoid writing policies for Transportation Companies.

Here is why: As mentioned, there is a greater chance for liability claims when writing the NEMT Insurance Policy versus a Commercial Auto Policy for a Contractor.

Why? When the Commercial Auto Policy is written for the contractor, contractors use their vehicles only to transport their equipment, tools, and supplies. Normally, they are not in the habit of transporting passengers.

If someone rode along with the contractor, it would likely be a fellow workmate who would be automatically excluded in most cases from coverage under the Commercial Auto Policy for a Contractor as that workmate should be covered by Workers Compensation Insurance.

In contrast, the Non Emergency Transportation Insurance Policy is written to cover liability claims for any third party suffering an injury claim or property damage claim, including the passengers being transported. See the difference? Passenger claims would be excluded with the contractor, but not for Non Emergency Medical Transportation Insurance Policy.

Liability exposures are increased, scaring away some traditional carriers from writing NEMT Insurance Policies.

Another factor makes traditional carriers less likely to write a Non Emergency Transportation Insurance Policy.

The passengers are already either very ill (hence the need to be transported to the doctor’s office), or they are disabled and much more prone to injuries. Does that make sense?

The transportation of individuals already in poor health would be an increased liability exposure to the carrier if an accident resulted in an injury.

This makes it difficult — but not impossible to obtain Competitive Rates for NEMT Insurance. We can help you find the NEMT Commercial Auto Insurance and NEMT General Liability Insurance you need in the state in which you do business.

As a warning, some states are more complicated than others with NEMT Insurance. For example, Michigan NEMT Insurance rates are the highest in the country!

Especially is that so when you are searching for Non-Emergency Insurance in Detroit Michigan. When the COVID-19 Pandemic began in 2020, one of the primary insurance companies offering Non-Emergency Medical Transportation in Michigan placed a moratorium on writing new policies, and they never reopened their doors.

This left individuals who were desirous of starting a transportation company catering to those who are ill and disabled with few choices, and worse, they would need to pay premiums on Non-Emergency Medical Transportation in Michigan that averaged 2-4 times more compared to the state of Ohio as an example.

Naturally, there is more to the story, and we would like to invite you to read this post: Non Emergency Transportation Insurance Detroit Michigan, to learn more about the state of affairs of Non-Emergency Medical Transportation Insurance in Michigan as we have some encouraging announcements for companies who want to start operation in Michigan.

Please call, chat, or text us at 513-662-7000 or use our online quote request system by clicking NEMT Insurance Quote.

If you are considering starting an NEMT company, visit this website to learn other important details about this industry.

Contractors Insurance – Coverage for Roofing Contractors, General Contractors, Excavators, Handyman Contractors, HVAC Contractors, Plumbing Contractors, Painters, Electricians, Kitchen and Bath Contractors, Tile and Carpet Contractors, Landscapers, Fire Control Contractors, Water Restoration Contractors, Pest Control and much more!

Need Quotes? – Click on Contractors Insurance to send us your request for quotes 24/7.

Insurance for Tow Trucks – We offer Insurance Insurance for Tow Trucks in many states across the country for new ventures and well-established companies, including coverage for repo operations and storage facilities. Click on Tow Truck Insurance Quotes to send us your request for information and quotes around the clock.

Landlord Insurance – Coverage for Single Family Residential Units, Apartment Buildings (student housing and section 8), Condo Associations (all states including Florida), Office Buildings, Strip Malls, Warehouses, and much more!

Quotes for Landlord Insurance are available 7 days per week until 5:30 PM. (EST) Requests can be sent to us 24 hours daily through our online submissions system by clicking on Landlord Insurance.

Auto Repair Garages – Coverage for Auto Repair Shops, Body Shops, and New & Used Car Dealerships.

For quotes and information, call 513-662-7000 or click on Garage Insurance, Car Dealership Insurance Coverage (available in most States)

Car Dealerships – We offer insurance protection for used car dealerships including dealers with claims issues. Request a quote right now by clicking on Car Dealership Insurance Programs.

Transportation – Coverage for Tractor Trailers (single vehicles or fleets), Cargo, Tow Trucks, Moving Trucks, Dump Trucks, Logging Trucks, Taxis, Limos, Emergency and Non Medical Transportation, School Buses, Company Passenger Vehicles, and Utility Trucks, and much more.

Need Quotes? Call 513-662-7000 or click on Commercial Truck Insurance, Insurance for Taxi Drivers, Insurance for Limousines, Auto Insurance for Non Emergency Medical Transportation,

Our agents can help you find the coverage you need for your business 7 days per week until 5:30 PM EST.

What Coverage is Needed for Your Company?

If you own a business, it is essential to ensure you understand what business insurance options are appropriate for your company.

The commercial insurance coverage needed for an Auto Repair Garage would naturally differ from what is necessary for a Roofing Contractor.

For example, an Auto Repair Garage would need something called Garage Keepers Insurance to protect customer vehicles in possession of the Garage while awaiting or undergoing repairs. Adding Garage Keepers Insurance to a roofing contractor’s policy would be unnecessary and impossible to do.

Garage Keepers Insurance also comes in 3 different levels of protection: Legal Liability, Excess, and Direct Primary. (Which one is best for your business?)

But at the same time, some business insurance options may be necessary for any type of company, such as General Liability, Coverage for Equipment, Property, Inventory, Tools, Workers’ Compensation Insurance, and Business Auto Insurance.

Are you 100% certain you have the right coverage for your business? That is a great question to think about.

If the wrong type of claim event happens precisely at the wrong time, you could face a Catastrophic financial event! (Means insurance may not apply and you may need to pay the claim 100% out of pocket)

What You Don’t Know Can Harm Your Company!

What you don’t know about insurance can have unintended financial ramifications down the road, so it is a good idea to review your insurance needs regularly.

If you are not currently insured with our company, why not set up a time to take advantage of our Free Business Insurance Review? There is no cost or obligation to purchase from our agency.

When a severe illness has been diagnosed, it is always wise to obtain a second opinion. A second opinion on your insurance needs is likewise a good move on your part.

The worst time to learn something was missing from your overall insurance protection is after the claim has already occurred!

Claims Example #1: Bob Henderson is a full-time real estate investor and owns several rented single-family homes. Bob’s annual premiums for Landlord Insurance in Cincinnati are significant. He contacts an agency wanting a better deal, and he finds one. The new agent cuts Bob’s premiums by 25% and, eager for a deal jumps at the chance to lower the cost of his Landlord Insurance in Cincinnati.

One year later, a tenant calls Bob to let him know water is leaking in his home. Bob sends his maintenance man Pete over and discovers a broken water pipe from colder than average temperatures. Pete estimates it will cost about $15,000 for the water damage. The Tenant was visiting her parents and was away, and the water had been running for several days.

Bob filed a claim with his insurance company. A claims adjuster meets with Bob the next day and explains to him that water damage is not covered by the particular Cincinnati Landlord Insurance Policy Form he purchased!

“What!” Bob expresses. The adjuster empathizes with Bob but shows him in his policy what is covered under his policy. Water losses are not among the named perils in the Cincinnati Landlord Insurance Policy Form he purchased!

Bob is forced to pay $15,000 out-of-pocket. The $1500 in insurance premiums he saved was entirely lost by the $15,000 out-of-pocket expense he incurred.

Claims Example #2: Fred Simmons and business partner Sue Ellen started a medical company offering mobile health services. Their company soon gained many customers and began to hire medical technicians. Fred and Sue purchased three small SUVs for their employees to use on their medical visits to patients and to carry medical equipment.

Fred dutifully added the vehicles and his employees to his personal auto insurance policy (PAP) on the advice of his previous agent.

One day, Fred is chatting with Jack Thomas, one of the owners of Pathway Insurance. (Pathway was located in the same office building at the time) The subject of Business Auto Insurance came up. Jack discovered Fred had not purchased a Business Auto Insurance policy, but the vehicles he bought were all listed on his personal auto policy. Fred’s employees were listed.

Jack asked Fred, “Why didn’t you buy a commercial auto insurance policy? You need that because you are using your vehicles for business-related purposes.” Fred replied that his agent knew the vehicles were being used in business, and he said adding the cars and his employees to his auto policy was okay.

Jack explained to Fred that any claims caused by his employees or himself as he was using any of his vehicles to meet patients would be denied by Fred’s insurance company!

Later, after Fred’s conversation with Jack, he was a bit nervous and skeptical at the same time, so he decided to call his soon-to-be former agent to talk about the situation.

Fred’s previous agent insisted he was fully covered and that Jack had no idea what he was talking about and was trying to scare Fred and ‘get’ his business.

Jack and Fred ran into each other the following day while passing through the office lobby. Fred told Jack that his agent insisted he would be covered when his employees drove his cars on work-related activities.

Jack asked Fred, “Do you have a minute?” Fred did have a spare minute, so he followed Jack to his office.

Jack called the claims department of the insurance company Fred was insured with and asked to speak with a claims supervisor. When Jack was connected, he asked the claims supervisor if a policyholder insured with his company would be covered when vehicles insured under a personal auto policy were used for work-related activities, like Fred was using his cars if they had an accident.

Jack then switched the phone to the speaker so Fred could hear the answer Jack knew was coming.

The claims supervisor immediately advised Jack (with Fred listening) that their company would deny any business-related claim because the personal auto insurance policy was not intended for business exposures.

The claims supervisor for the company Fred had been insured with for over a dozen years explained: “You need to buy a commercial auto insurance policy to cover business-related work activities.”

Jack thanked the claims supervisor for her time, said goodbye, and asked Fred, “What do you think about your agent now?”

Fred quickly stated: “I think I need a new agent!” Jack agreed with Fred, and since 2000, Fred has been insured with Pathway for his business and personal insurance.

Click any of the links below for online quotes or information 24/7 for your location:

Business Insurance Ohio:

Business Insurance Florida:

Business Insurance the Remaining States:

This is How Pathway Insurance Can Save You Time & Money:

Shopping for better Insurance Rates Can Be Frustrating.

Why?? Because it can be very time-consuming.

Hundreds of insurers offer insurance in the states in which we operate. If you’re looking for cheap auto insurance in Cincinnati or the best home insurance in Cincinnati, how long would it take you to obtain hundreds of insurance quotes?

It is likely more time that you would like to invest. Pathway Insurance is an excellent choice for any insurance you need. Why?

We represent many insurers for personal car, home, and business insurance. No insurance company in the United States can offer the best coverage, rates, and options for every person’s circumstances.

That’s where we come in.

Our Clients Say It Best:

Click on a client for life to learn why one policyholder explains why he would never leave our agency or read the below client testimonial:

I would like to start off by saying that I have been with Jack Thomas and his staff for over 10 years. I actually had all my insurance needs filled through a family member who couldn’t supply the needs at a reasonable rate for my teenage son when he started driving because they did not have the broad network which took me into the insurance shopping market.

I met Jack and he was more than capable of supplying all of my needs at a very affordable rate. In fact I had contacted at least a half dozen companies and none of them provided me with a good rate or superior service like Pathway. Then I got married and we built a new home…..my husband had been with his insurance company for a long time who was a personal friend, so now the issue is raised of which company to go with.

Jack Thomas won hands down. Jack and his staff were knowledgeable, friendly and the service was above what we expected.

Thank You Pathway for all you do…..Keep up the good work!

Debbie Boehm

Contact Us Today For the Insurance You Need.

You can call our office by dialing 513-662-7000 or toll-free 800-998-0662 to speak with one of our licensed representatives, or click on one of the links below for additional information or quotes.