Business Details
Emergency
services
Your Trusted Insurance Partner in Ohio
SFM Insurance has been a trusted community partner since 1877, dedicated to providing personalized risk management solutions. Our family-owned business combines over 148 years of experience with innovative approaches to insurance, ensuring clients receive comprehensive coverage tailored to their unique needs. We prioritize building strong relationships with individuals, families, and businesses across Ohio, Kentucky, and Indiana, offering expert guidance in personal, commercial, and farm insurance.Our team of certified professionals works tirelessly to deliver transparent, approachable service, helping clients navigate complex coverage options and rebuild after disasters. With a focus on integrity and community responsibility, we strive to be more than just an insurance providerwe aim to be a lifelong partner in protecting what matters most to our clients.
Services
Personal Auto Insurance
Home Insurance
Commercial Property Insurance
Farm Insurance
Umbrella Insurance
Life Insurance
Health Insurance
Renters Insurance
Condo Insurance
Cyber Liability Insurance
Highlights and features
- We offer 148+ years of experience in personalized insurance solutions.
- Our team includes certified professionals with specialized expertise in multiple insurance sectors.
- We provide 24/7 support for emergency claims and policy assistance.
- Our community-focused approach ensures locally tailored coverage options.
- We offer comprehensive coverage for unique needs across personal, commercial, and agricultural sectors.
What people say
Easy to understand options
Personalized service
Reliable emergency support
Locally tailored coverage
Certified professionals
Services
Home Insurance
Our Home Insurance protects against financial losses from disasters, theft, and liability claims. We help homeowners understand policy limits, select appropriate coverage, and ensure protection for their family's needs. With SFM Insurance, clients receive tailored advice to safeguard their home investments while maintaining transparency about policy details.
Commercial Property Insurance
Commercial Property Insurance covers business assets against damage from fires, storms, and other incidents. We work with Ohio businesses to assess property values, recommend appropriate coverage limits, and provide comprehensive protection that includes equipment breakdown and business income loss during recovery periods.
Farm Insurance
Farm Insurance protects agricultural operations against weather-related losses, livestock risks, and liability claims. Our policies cover country homes, livestock, and farm equipment while addressing unique needs like manure hauling and custom harvesting operations through customized insurance solutions.
Cyber Liability Insurance
Cyber Liability Insurance safeguards businesses against data breaches and cyber attacks. We help clients understand coverage for digital risks, implement security measures, and recover from incidents that could disrupt operations or damage business reputation through comprehensive cyber protection plans.
Umbrella Insurance
Umbrella Insurance provides additional liability coverage beyond standard policies. We assist clients in determining appropriate coverage levels to protect personal or business assets against catastrophic claims that exceed primary policy limits through cost-effective supplemental insurance solutions.
People
Brian Smith
President
Fourth-generation leader with 30+ years of experience, holding Finance degree from Xavier University and MBA from Notre Dame. Specializes in complex commercial coverage solutions and serves on multiple community boards.
John Luttrell
Vice President
35+ years in insurance industry, focusing on personal lines and agriculture divisions. Ohio State University graduate with extensive community involvement through Clinton County MRDD board service.
Donna Sinclair
Account Executive
20+ years commercial insurance experience, paralegal degree holder dedicated to building client relationships. Active community volunteer with focus on commercial lines and life insurance solutions.
Anessa D. Hill
Commercial Lines Account Manager
20+ years industry experience with specialized certifications (CISR, CPIA). Manages complex commercial accounts and founded suicide prevention nonprofit organization to support community mental health initiatives.
Sherry Nolen
Personal Lines Account Manager
30+ years with SFM Insurance, holding multiple industry designations (CPSR, CPIA, CISR). Focuses on personal lines management while actively participating in youth bowling league community programs.
Questions
What types of insurance does SFM Insurance offer?
We provide personal, commercial, and farm insurance including auto, home, life, health, cyber liability, and specialized agricultural coverage across Ohio, Kentucky, and Indiana.
How quickly can I get insurance coverage?
Our team works efficiently to help clients understand options and secure policies promptly, with emergency coverage available for urgent situations through our 24/7 support.
What areas do you serve?
We primarily serve Ohio, Kentucky, and Indiana with multiple office locations in Wilmington, Chillicothe, Cincinnati, Delaware, and Hillsboro communities.
How do I file a claim?
Contact our claims department directly at 937-382-2546 or through our website. Our dedicated claims manager works closely with clients and carriers to resolve issues efficiently.
Do you offer online policy management?
While not explicitly stated, our team provides personalized service through multiple communication channels including phone, email, and in-person consultations at our branch offices.
What makes SFM Insurance different?
We combine 148+ years of experience with personalized service, certified professionals, and community-focused approach to deliver tailored insurance solutions that protect clients' unique needs.
