Commercial Insurance Built for Small Ohio Businesses
Whether you run a salon, a coffee shop, a cleaning service, or a business out of your spare bedroom, we set you up with the coverage that keeps it running. Local Ohio guidance, not a 1-800 quote engine.
Coverage Designed for the Businesses That Keep Ohio Running
From neighborhood coffee shops to salons to the business you run out of your spare bedroom, we help local owners protect what they have built. We match the coverage to your trade instead of selling you a one-size policy.
- Beauty Salons
- Nail Salons
- Barber Shops
- Coffee Shops
- Home-Based Businesses
- Landscapers
- Bakeries
- Retail Stores
- Cleaning Services
- Fitness Studios
- Online Sellers
The Coverage Your Business Actually Needs
From your storefront to your team, we have coverage that wraps around every aspect of your operation.
General
Liability
Covers the basics every business needs: customer injuries, property damage you cause, and the lawsuits that follow. Most leases and contracts require it.
Commercial
Property
Covers your space, equipment, and inventory when something damages them.
Workers' Compensation
Ohio requires it once you have employees. We help you understand your obligation and make sure your business is not left exposed.
Business
Interruption
Replaces lost income if a covered event forces you to close for a while.
Everything Your Business Needs to Stay Protected
A Policy Built for Your Trade
A salon, a food truck, and a landscaper face different risks. We build the policy around your work.
Certificates for Your Contracts
Need a certificate of insurance for a lease, a venue, or a bid? We get it to you fast.
Strong, Established Carriers
We place your coverage with financially stable insurers you can count on at claim time.
A Coverage Review, Not a Sales Pitch
We find the gaps before they cost you, instead of selling you extras you do not need.
One Local Point of Contact
You work with the same North Olmsted agent every time, not a new rep and not a call center
A Real Consultant on Your Account
A licensed insurance person who knows your business, not a chatbot.
Insurance That Gets Small Business
Big agencies chase big accounts. We built ours around the salons, shops, and home-based businesses that make up Ohio's main streets.
We Speak Small Business
From a one-person online shop to a ten-chair salon, we know the coverage your size of business actually needs.
Local and Reachable
We are right here in North Olmsted. Call or stop in and talk to a real person who knows your account.
Honest About Fit
If a policy is not right for your business, we will tell you. We would rather keep you as a client for years.
Fair Pricing for Small Business
No hidden fees and no surprise renewals. Most small businesses start with general liability or a Business Owner's Policy, which bundles liability, property, and lost income at a lower rate than buying them separately.
- General liability often runs $40 to $100 a month for small businesses
- A BOP bundles liability and property, often for less than buying both
- Pay monthly, quarterly, or annually, your choice
Estimate Your Cost
Instant
Insuring Small Businesses Across Ohio
We are based in North Olmsted and licensed across Ohio, so owners from Cleveland to Columbus, Cincinnati to Toledo work with the same local team.
When a client needs a certificate or a question comes up, you reach a real person here, not a call center three states away.
Call Us
What Ohio Business Owners Say About Us
Kessler insurance turned my underinsured home from a risky liability into fully protected peace of mind. They expertly identified coverage gaps and secured the perfect policy at a great price. Highly recommended!
Homeowners insurance
Francheta has been an amazing agent. She has helped me and my family get everyone squared away and set up. If you are looking for life insurance and everything in between go here!!!
Great price
This is probably the absolute best place I have been when dealing with insurance related needs. Francheta was soo extremely helpful, patient and kind with me while helping me find the right insurance for what I need. Best customer service I’ve ever received. Will only be doing business with them from here on out
Life, Vehicle, Renter's insurance
Had a great experience here. Frannie helped us out and answered every question we had. Thank you so much!
Great experience
Everyone at Kessler Insurance is ALWAYS helpful and gracious, no matter how many questions we ask! Thanks so very much for the excellent customer service! - Micki & Jim Grant
Vehicle insurance
Great customer service and really explains the ins and outs. We have our auto and home insurance with Sam Kessler and not only does he give us a great rate, but him and his staff are available for any question or need you have. The one insurance company I did not regret going with, finally!!
Great customer service
Get Your Business Insurance Quote
Tell us about your business and we will come back with the right coverage and a real price. No pressure, no jargon, no spam.
Business Insurance Quote
Business Insurance Questions Owners Ask
Straight answers on what coverage you need, what it costs, and what is required, so you can protect your business without overbuying.
Does my homeowners insurance cover my home-based business?
Almost never. A standard homeowners policy covers only about $2,500 of business property and no business liability or lost income. If you run a business from home, even an online one, you need separate coverage. We tell you exactly what your situation calls for.
What insurance does a small business actually need?
Most start with general liability, which covers customer injuries and property damage you cause, and which most leases and contracts require. If you have a space, equipment, or inventory, a Business Owner's Policy bundles liability and property for less. Add workers' comp once you hire.
What is a BOP and do I need one?
A Business Owner's Policy bundles general liability, commercial property, and lost income into one policy, usually cheaper than buying them separately. For a salon, shop, or restaurant with a space and equipment, it is usually the smartest first move.
Can you give me a certificate of insurance?
Yes. Once you are covered, we provide certificates of insurance for your leases, contracts, and bids. Just tell us who needs it.
I am a contractor or landscaper. What do I need?
Usually general liability at a minimum, since most clients require it, plus coverage for your tools and equipment, and workers' comp if you have a crew. We build it around your trade.
Ready to Protect Your Business?
Get a business insurance quote from a local North Olmsted team that knows small business and answers the phone.
