There when you need us most.
Finding an insurance agency with that family touch starts with Gerber Insurance & Financial Services.
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Learn more about our agency.
Since 1943, Gerber Insurance & Financial Services have been helping clients in South Central and Northwestern Ohio find the right insurance coverage to meet their needs. In that time, three generations of our family have helped our customers with their insurance needs.
As a family-owned agency, we strive to make you feel like a member of our family. We are dedicated to taking the time to get to know you and your needs, that way we can protect what matters most to you. You will never feel like a number with us because we are there for you when you need us most. That’s what it means to be a part of our family.
About Our Agency
Family-Owned
Three generations of our family have helped clients like you with their insurance needs.
Family-Owned
Three generations of our family have helped clients like you with their insurance needs.
Clients Come First
As committed agents, we want you to know you can count on us to be there when you need us the most.
Clients Come First
As committed agents, we want you to know you can count on us to be there when you need us the most.
Experienced Agents
For over 77 years, we have been helping Ohio families and businesses find the right coverage at the right price.
Experienced Agents
For over 77 years, we have been helping Ohio families and businesses find the right coverage at the right price.
Serving South Central and Northwestern Ohio
From our offices in Chillicothe, OH and Lima, OH, we are proud to serve South Central and Northwestern Ohio, including the cities of Waverly, OH, Circleville, OH, Washington Courthouse, OH, Greenfield, OH, and Canal Winchester, OH.
How can we help with your insurance needs?
Providing a variety of personal insurance, business insurance, and employee benefits solutions is what Gerber Insurance & Financial Services does best.
Real clients. Real reviews. Real coverage.
“I've been doing business with Gerber Insurance & Financial Services for over a decade. The knowledgeable and well-trained staff provides a worry-free insurance experience, excellent customer service, and consultant style interactions.”
Russell Penwell
“Gerber Insurance cares about people and their needs. The few things I’ve needed through the agency have gone quickly, simple and their kindness speaks volumes. They truly care about our community and making it a better place.”
Jenny Etling
“I fully trust the Gerber Agency to protect my home and vehicles. Even more so, I am thankful to be represented by the exceptional Gerber staff. This organization has proven to be top notch for decades, and wonderful representatives for our community.”
James Oyer
We’re top rated.
Check out our reviews and see why you should switch today.
Interactive Graphic
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Bodily Injury Liability Coverage
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
Risk Factor
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.
Solution
Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.
Medical Payments Coverage
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.
Solution
Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Risk Factor
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Solution
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Transportation Expenses / Rental Coverage
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Solution
Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Auto Insurance 101
Make sure you cover the unique risks you face with auto insurance.
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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.
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.
Contact Us
As an independent agency, we are here to help you find the right coverage.
Chillicothe, OH Office
63 Executive Center Drive
Chillicothe, OH 45601
Lima, OH Office
1727 Allentown Road
Lima, OH 45805
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