I work with a lot of Financial Advisors. They take care of their clients’ assets, taxes and investments and I make sure those assets are protected with the appropriate insurance.  When I meet with Financial Planners, I review the “red flags” we have frequently found in a clients’ personal insurance; where coverage was lacking or missing altogether.

Personal Insurance Red Flags

  • Drastically underinsured homes
  • Remodel or addition to their home without a coverage review
  • Low deductibles
  • Unscheduled collection items
  • Kids away at college without a car
  • Inadequate loss of use coverage
  • Low Liability limits
  • Low or no umbrella
  • No water damage coverage for their finished basement
  • Assets in a trust and the trust is not listed

It is part of our review and new client process to ask the questions that can reveal these issues.  If you would like assistance guiding your clients through the pitfalls of personal insurance, please give us a call at 614-453-9369.

About Overmyer Hall Associates

Overmyer Hall Associates is one of the fastest growing agencies in the country, quickly becoming one of the largest property and casualty insurance agencies in Central Ohio. Overmyer Hall Associates provides clients with insurance and risk management, specializing in Business Insurance, Surety Bonding, and Home & Auto Insurance. Since its founding in 2011, the firm has been awarded Columbus Business First’s "Fast 50" and "Best Places to Work" awards, the IIABA’s “Best Practices Agency” recognition, Columbus CEO Magazine’s “Best Insurance Broker” and the Columbus Young Professionals Club’s “Wonderful Workplace for Young Professionals” award. www.oh-ins.com