Learn About Hal Kresser Agency
We are an independent insurance agency serving businesses and individuals throughout Ohio for over 30 years. We are focused on helping you find outstanding insurance solutions to meet the risks you face, for yourself or your business. Because we represent multiple top-rated insurance companies, we have access to a variety of coverage options to bring you value and choice when it comes to price, policy, and service.
Our experienced team can offer you personal service through developing a lasting relationship with you. With us, you get the best of both worlds—the relationship of a local, neighborhood business and the benefits and choices of large insurance companies.
Insuring Ohio
As a locally-owned business and residents of Ohio ourselves, we understand your risks in a unique way that others may not—giving us the advantage of helping you manage those risks through insurance coverage. We are proud to serve clients locally in Fairfield, OH, and across Ohio and multiple states.
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Outstanding Solutions and Personal Service
Hal Kresser Agency offers a variety of insurance by industry, personal insurance, and business insurance solutions to help you protect what matters most.
Our Specialities
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Towing and Recovery Operations
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Repo Operations
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Garage and Body Shop
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Salvage and Junkyard
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Car Dealerships
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Are you in the towing services business? We have over 30 years of experience in the towing insurance industry so we understand how tricky towing services can be. Is your salvage yard insured? Hal Kresser Agency offers insurance against damage to metal scrap yards, auto dismantler yards, recycle yards, and more. We also provide insurance solutions for repo operations and car dealerships.
We understand that the needs of each business are different, so we’re here to listen to you. With multiple insurance companies to choose from, we will work with you to meet your requirements for pricing and policy and we will make coverage suggestions to protect your property and liability.
An Independent Agency Gives You Options
We proudly represent Donegal, Grange, Nationwide, and more!
Commercial General Liability / Garage Liability
Risk Factor
Your repair shop may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. For example, if a customer accidentally trips and falls while on the premises of your repair shop, you can become exposed to a potential lawsuit and held financially responsible for any injuries that result from the accident.
Solution
Commercial general liability insurance is an absolute necessity for every repair shop. This type of protection provides broad coverage for premises, operations, completed operations and advertising, and personal injury. It will also pay to defend any covered lawsuit or action regardless of its merit. Coverage can be purchased as a separate policy and can be tailored to your specific needs.
Commercial Property Insurance
Risk Factor
When a gas tank explosion causes an uncontrollable fire, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your repair shop business.
Solution
Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
Property of Others - Garagekeepers
Risk Factor
The nature of your business means you’re responsible for valuable cars, trucks, and other automobiles. As a repair shop owner, you’re trusted to safeguard vehicles belonging to others. This responsibility brings with it potential liability of being held financially responsible for property damage caused to these vehicles while in your care, custody, and control.
Solution
You should purchase physical damage coverage, referred to as garagekeepers coverage, designed to help you protect your customers’ property and your business in the event that accidents, injuries, or property damage occurs. This protection covers the costs that arise from unfortunate and unforeseeable events, not bad workmanship, faulty parts, or warranties.
Inland Marine and Equipment Floater
Risk Factor
You’re constantly moving your tools from one area of your repair shop to another, exposing your business to potential loss due to damage or theft. And without your specialized tools and equipment, your repair job may come to a screeching halt.
Solution
You can purchase special equipment insurance designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects, and overturning.
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 protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.
Business Auto Insurance
Risk Factor
As a repair shop owner, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your business in financial jeopardy.
Solution
Business auto insurance provides coverage for vehicles owned or leased by a repair shop and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.
Commercial Umbrella / Excess Insurance
Risk Factor
Losses and lawsuits are quite common in the repair shop business, and settlements can be substantial. If your business is found to be responsible for damage or injury, you could be facing a large liability loss that exceeds the basic limits of your standard policy.
Solution
You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.
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Manage Your Policies
Already a client of Hal Kresser Agency? Visit our Service Center to make requests and manage your insurance.
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Our Clients Rave About Us
Check out our reviews and see why you should switch to Hal Kresser Agency.
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“Very nice people helpful highly recommend it. I have five personal cars and also I have my single family home insured with them for a long long time. Very good communication.”
Kall I.
“Been using Hal Kresser for over 10 years. These guys have the expertise to make sure your dollar is going the furthest.”
Andrew B.
“My agency for over a decade, they’ve always been kind, responsive, and got the job done in an efficient manner.”
Jeremy G.
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