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Griffin Insurance

Griffin Insurance has been serving insurance solutions as an independent agency in Mount Vernon, OH since 1972. We are proud to provide insurance and financial solutions for thousands of individuals and businesses across our area. Our agency is committed to building a solid relationship through practical solutions and excellent service.

About Our Agency

Griffin Insurance - Icon

Griffin Insurance

More about our agency.

Griffin Insurance has been serving insurance solutions as an independent agency in Mount Vernon, OH since 1972. We are proud to provide insurance and financial solutions for thousands of individuals and businesses across our area. Our agency is committed to building a solid relationship through practical solutions and excellent service.

The team at Griffin Insurance takes pride in customizing policies to clients’ individual insurance needs. With the choice of more than one insurance company at our fingertips, we can tailor any program, whether it be for your home, auto, life, health, and business, among many others. Ultimately, we want to provide the most suitable coverage and value for your personal and business insurance needs. Get in touch with our team today!

About Our AgencyContact Us

More about our agency.

We write policies for clients across Ohio with a special focus in Mount Vernon, OH, Centerburg, OH, Fredericktown, OH, Howard, OH, and Martinsburg, OH.

The team at Griffin Insurance takes pride in customizing policies to clients’ individual insurance needs. With the choice of more than one insurance company at our fingertips, we can tailor any program, whether it be for your home, auto, life, health, and business, among many others. Ultimately, we want to provide the most suitable coverage and value for your personal and business insurance needs. Get in touch with our team today!

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As an independent agency, we are here to help you find the right coverage.

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The Solution
To Your Insurance Needs

Providing a variety of personal insurance, business insurance, and employee benefits solutions is what Griffin Insurance does best.

Municipality Insurance
Non-Profit Insurance

Insurance by Industry

Griffin Insurance specializes in municipality insurance and non-profit insurance.

Looking for more insurance designed specifically for your business? Search for business insurance by industry to find the right coverage.

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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.
Find Out How

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What Makes Griffin Insurance Special

Here’s what sets us apart when it comes to serving your insurance needs.

Hometown Agency

We are local to North Central Ohio and are proud to protect our hometown residents and businesses.

Contemporary Policies

We stay up-to-date on industry knowledge to bring our clients top-notch insurance solutions.

Experienced Agents

With extensive industry experience, we educate clients on coverage options to make an informed decision.

Interactive Graphic

Click it. Read it. Cover it.

Get a glimpse of the risks you face and how your insurance can protect what matters most.

Municipality
Property Insurance
Risk Factor

Your township building is susceptible to many perils throughout the year such as wind, rain, collapse, fire, and smoke. When significant damages to the building occur, how will you replace the building and its contents to continue servicing the township?

Solution

Property insurance can help protect the property your township owns or leases, including things like equipment, supplies, furniture, and fixtures. Whether you own your building or lease your workspace, property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Abuse and Molestation
Risk Factor

There are hundreds of reports each year of children being sexually abused by adults. This exposure is excluded from the standard general liability policy form.

Solution

Obtain the proper abuse and molestation coverage to protect the municipality from the possibility of significant financial loss in the event of an allegation. In addition, have written documentation within the municipality to address how to prevent sexual abuse from happening, how to report it to authorities, and what to do in an event of an allegation.

Sewer Authority
Risk Factor

If a municipality runs the community sewer and wastewater plant, it can be exposed to many risks such as failure to supply, water contamination, notification expenses, and others.

Solution

A sewer authority coverage liability form can cover the professional activities that go along with managing a wastewater treatment facility. Some forms include errors and omissions, failure to supply utilities, and other necessary coverages such as equipment breakdown for the facility.

Public Officials Liability
Risk Factor

Any municipality that has elected public officials or governing boards (park boards, historic boards, etc.) has exposure for the financial and other decisions the boards make, which affect the entire population of that municipality.

Solution

A municipality can be held liable for wrongful acts and decisions made by elected public officials and governing boards and will need to defend against such allegations. Having a liability policy that can protect against these risks is essential. This can also include employment practices liability as well.

Law Enforcement Liability
Risk Factor

Having a municipal police force has many areas of liability, especially in today’s legal environment. Police can be held liable or sued for wrongful detention, police brutality, and other accusations. Unfortunately, these claims normally carry a high dollar value.

Solution

Law enforcement liability provides coverage for the municipality and its police officers for allegations that may arise from an officer’s actions. This coverage can also include a line of duty accidental death coverage and a moonlighting endorsement.

Flood and Earthquake Coverage
Risk Factor

Depending on your location and surroundings, your borough could be in an earthquake and flood-prone area. The common property policy excludes coverage for these types of claims, leaving a municipality with significant structural or water damage and no coverage.

Solution

Adding earthquake and/or flood policies can cover property claims when those disasters occur. Depending on the zone you occupy, limits can go up to $10M and will include a deductible per occurrence.

Workers’ Compensation
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 protect 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, as well as all physical locations where you hire your employees.

General Liability Insurance
Risk Factor

Water on the floor, slippery entry in the winter, broken glass/hazardous debris, etc. These can all be accidents waiting to happen on municipal property. Claims may arise due to bodily injury, property damage, personal injury, and more.

Solution

General liability insurance is an absolute necessity. It provides broad coverage when the municipality is deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Municipality Insurance 101

Make sure you cover the unique risks you face with municipality insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.

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  Contact Griffin Insurance

As an independent agency, we are here to help you find the right coverage.

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Mount Vernon, OH

300 Coshocton Avenue
Mount Vernon, OH 43050

We write policies for clients across Ohio with a special focus in Mount Vernon, OH, Centerburg, OH, Fredericktown, OH, Howard, OH, and Martinsburg, OH.

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