Business Details
The costs associated with a business insurance policy are small compared with the large risks that you'll protect against. The ultimate purpose of homeowner's insurance is to enable the homeowner to rebuild his or her home and life, even in the event of total destruction. The decisions of what kind of life insurance to purchase, how much of a death benefit and how much you pay are extremely complex - we make it easy.
With health insurance, you protect yourself, your family and/or your business in case of needing medical care that could be very expensive. At Toth Felty, your independent insurance agency, it's our job to represent you, the customer. We can provide you with the individual coverage you require. When it comes to protecting your auto, home, business and family, don't leave it up to chance.
That is just one of the reasons why the companies we represent have continually earned the highest ratings from A.M. Best, the leading independent insurance industry rating authority. An insurance agent should be thought as a persons ''insurance doctor''.
With health insurance, you protect yourself, your family and/or your business in case of needing medical care that could be very expensive. At Toth Felty, your independent insurance agency, it's our job to represent you, the customer. We can provide you with the individual coverage you require. When it comes to protecting your auto, home, business and family, don't leave it up to chance.
That is just one of the reasons why the companies we represent have continually earned the highest ratings from A.M. Best, the leading independent insurance industry rating authority. An insurance agent should be thought as a persons ''insurance doctor''.
Services
About
We are an independent, locally-owned and operated insurance company in Middleburg Heights, Ohio.
We've been serving the auto, home, business and life insurance needs of clients since 1971.
As an independent agent, we can select from a wide range of insurance products offered by various reputable companies to closely match your particular needs.
And because we're a relatively small group of dedicated professionals, we can provide our clients with close, personal attention.
We're also proud of our "ethnic" roots which anchor a tradition of integrity, trust, and continuity.
We've been serving the auto, home, business and life insurance needs of clients since 1971.
As an independent agent, we can select from a wide range of insurance products offered by various reputable companies to closely match your particular needs.
And because we're a relatively small group of dedicated professionals, we can provide our clients with close, personal attention.
We're also proud of our "ethnic" roots which anchor a tradition of integrity, trust, and continuity.
Home Insurance
The home insurance policy is one of the most misunderstood policies that an individual can purchase.
To be very clear, the ultimate purpose of homeowner's insurance is to enable the homeowner to rebuild his or her home and life, even in the event of total destruction.
Home insurance, also commonly called homeowner's insurance, is a type of property insurance that most importantly covers your private residence.
The following charts demonstrate the percentages home ownership claims in the State of Ohio and what is likely to be the largest cause of those claims.
To be very clear, the ultimate purpose of homeowner's insurance is to enable the homeowner to rebuild his or her home and life, even in the event of total destruction.
Home insurance, also commonly called homeowner's insurance, is a type of property insurance that most importantly covers your private residence.
The following charts demonstrate the percentages home ownership claims in the State of Ohio and what is likely to be the largest cause of those claims.
Business Insurance
As a business owner, you take calculated risks every day in order keep your business thriving.
But what about the risks you haven't considered?
As with all insurance, the proper policy and proper planning to avoid gaps or voids in coverage is our primary goal.
The costs associated with a business insurance policy are small compared with the large risks that you'll protect against.
If you currently rely simply on property insurance, you are protecting your assets but not the business itself.
If there's a business interruption or a lawsuit, you need business insurance to ensure that you can keep going.
But what about the risks you haven't considered?
As with all insurance, the proper policy and proper planning to avoid gaps or voids in coverage is our primary goal.
The costs associated with a business insurance policy are small compared with the large risks that you'll protect against.
If you currently rely simply on property insurance, you are protecting your assets but not the business itself.
If there's a business interruption or a lawsuit, you need business insurance to ensure that you can keep going.
Auto Repair
As an automotive repair shop, you help keep your customers on the road.
As insurance agents, we help keep you in business.
As any of your customers can tell you, it can only take a moment for the unexpected to happen and before you know it, your business could be the one in need of repair.
Having a robust auto repair shop insurance portfolio will help keep your auto repair center running smoothly.
Just like regular business liability insurance, a garage liability insurance policy covers an auto repair shop against lawsuits and medical costs arising from the injury of someone while on the premises.
As insurance agents, we help keep you in business.
As any of your customers can tell you, it can only take a moment for the unexpected to happen and before you know it, your business could be the one in need of repair.
Having a robust auto repair shop insurance portfolio will help keep your auto repair center running smoothly.
Just like regular business liability insurance, a garage liability insurance policy covers an auto repair shop against lawsuits and medical costs arising from the injury of someone while on the premises.
Auto Body Shops
Auto body shops repair cars that have been in fender benders and collisions.
They make cars look as good as new so that it's impossible to tell that the accident ever happened.
The clients who entrust body shops with their vehicles rely on their advice and expertise, which is why auto body repair shops can be sued for fraud and negligence.
And that's why you need the right auto body shop insurance.
The following charts represent statistical insurance information for businesses in the State of Ohio for the year 2017.
They make cars look as good as new so that it's impossible to tell that the accident ever happened.
The clients who entrust body shops with their vehicles rely on their advice and expertise, which is why auto body repair shops can be sued for fraud and negligence.
And that's why you need the right auto body shop insurance.
The following charts represent statistical insurance information for businesses in the State of Ohio for the year 2017.
Auto Dealers
At Toth-Felty we provide insurance for auto dealers with a variety of options and choices.
Whether a dealership is large or small, or simply dedicates one portion of its lot to pre-owned vehicles, our comprehensive coverage will insure the cars and trucks on the lot and the garage associated with sales.
GARAGE LIABILITY: Provides protection for liability resulting from the maintenance and the ownership of the garage.
DEALERS OPEN LOT: Provides physical damage coverage on vehicles that are owned by your business.
Whether a dealership is large or small, or simply dedicates one portion of its lot to pre-owned vehicles, our comprehensive coverage will insure the cars and trucks on the lot and the garage associated with sales.
GARAGE LIABILITY: Provides protection for liability resulting from the maintenance and the ownership of the garage.
DEALERS OPEN LOT: Provides physical damage coverage on vehicles that are owned by your business.
Life Insurance
You want to make sure your life insurer will be around for the long haul.
How do you do this?
You can consult a seasoned insurance professional, which is probably your best bet, or you can look at how various independent organizations "rate" the life insurers you are considering.
Ratings are like school grades, A+, A, A-, B+, etc.
In general, it's wise to stick with companies that are rated A or better by most rating organizations.
The following information gives insight into typical life insurance policies held in the State of Ohio.
How do you do this?
You can consult a seasoned insurance professional, which is probably your best bet, or you can look at how various independent organizations "rate" the life insurers you are considering.
Ratings are like school grades, A+, A, A-, B+, etc.
In general, it's wise to stick with companies that are rated A or better by most rating organizations.
The following information gives insight into typical life insurance policies held in the State of Ohio.
Farm Insurance
Toth Felty Insurance can offer you a competitively priced Farmowners product with the flexibility to meet the needs of each individual farm owner.
Our tiered program offers a wide range of coverage options for your farm dwelling, farm personal property and outbuildings.
Farm Umbrella - We offer a Farm Umbrella designed specifically for a farmer.
This product is designed to insure both the personal exposures that are typical to a homeowner and the commercial exposures from the farming operations.
Our tiered program offers a wide range of coverage options for your farm dwelling, farm personal property and outbuildings.
Farm Umbrella - We offer a Farm Umbrella designed specifically for a farmer.
This product is designed to insure both the personal exposures that are typical to a homeowner and the commercial exposures from the farming operations.
FAQ’s
We represent many fine companies including Western Reserve Group, Motorist Mutual, Merchants, Kemper, GMAC, Hartford and more.
Go to our 'Companies Page'.
Of course we can!
One of our Life and Health Specialists can evaluate your needs and provide you with a quote on medical coverage from one of the fine companies we represent, including Kaiser-Permanente, Medical Mutual, United Healthcare, Summa Healthcare, and more.
Not only can we insure your business assets including property, autos and machinery, we can also help you find medical, life, dental and vision coverage for your employees.
Go to our 'Companies Page'.
Of course we can!
One of our Life and Health Specialists can evaluate your needs and provide you with a quote on medical coverage from one of the fine companies we represent, including Kaiser-Permanente, Medical Mutual, United Healthcare, Summa Healthcare, and more.
Not only can we insure your business assets including property, autos and machinery, we can also help you find medical, life, dental and vision coverage for your employees.
