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Business Insurance

The Uhl Agency recognizes every business is unique and that a proper business insurance program considers the individual needs of each business. We will work with you to develop a program that addresses your exposures without breaking the bank.
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The Uhl Agency's team of business insurance professionals works with some of the most respected insurance companies in the business to provide comprehensive insurance solutions for our clients. Our goal is to not only let our clients know what they are covered for, but advise them of potential coverage gaps - and how those gaps can be addressed by insurance-based solutions. 


Contact The Uhl Agency to learn how to obtain affordable protection against losses that can keep your business from reaching its goals.

Property Insurance
No matter if you're a one-person startup operation or a third-generation corporation, most businesses have some degree of property exposure. Protect your building, office contents, and/or inventory against perils that can set your business back financially. 
General Liability Insurance
While no two businesses are alike, every business has liability exposures. General liability insurance protects your business against allegations or bodily injury, property damage, and personal or advertising injury.
Commercial Umbrella Insurance
Commercial umbrella policies provide an extra layer of liability protection in the event a large loss exhausts your primary liability coverage. These types of policies can supplement your general liability, business auto liability, and even professional liability insurance policies.
Business Auto Insurance
If your business owns vehicles, occasionally rents vehicles, or you use your personally-owned vehicle for business purposes, you have a business auto exposure. Let The Uhl Agency work with you to provide a program that properly addresses your business auto exposures. 
Commercial Crime Insurance
Every company faces crime exposures, whether internal or external, and criminals are becoming more sophisticated in their methods. The Uhl Agency can help protect you against losses that occur by traditional means or by computer-related methods.
Surety Bonding Insurance
Whether your business needs a performance bond, bid bond, supply bond, license and permit bond, or other commercial bond, The Uhl Agency works with multiple insurance companies that are highly regarded in the surety business. 
Builders Risk Insurance
Buildings that are under construction or renovation need to be properly protected against loss. The Uhl Agency has access to a number of insurance markets that can provide comprehensive - yet affordable - builders risk insurance. 
Equipment Floater Insurance
The livelihood of many business owners depends on the tools and equipment in their trucks or on their trailers. The Uhl Agency can protect your business against loss to these important items.

Executive Liability Insurance

The Uhl Agency’s experienced team of agents understands the complexities associated with professional organizations. Lawsuits alleging professional negligence against businesses have grown more complex in recent years and often involve multiple lines of insurance coverage. 

After learning about how your company operates, we will present to you – in an easy-to-understand format – how you can properly address the issues that keep you up at night. Our tailored solutions will protect you against potential claims stemming from your professional services, the management decisions that your directors and officers make, and employment-related issues that arise within your office.

Professional Liability / Errors & Omissions Liability Insurance
Claims alleging professional mistakes are not covered by general liability insurance, so it's important that you have the proper type of insurance coverage in place to defend you against claims alleging negligence.
Employment Practices Liability Insurance
Litigation involving allegations of discrimination, sexual harassment, retaliation, and other employment-related issues have been on the rise in recent years. The Uhl Agency can provide you with coverage that protects you and your company against employment-related claims brought by employees (or former employees) as well as third parties.
Directors and Officers Liability Insurance
This type of insurance protects the directors and officers of your company against allegations stemming from mismanagement. In recent years, this coverage has come into play with employment-related lawsuits as well as suits pertaining to cyber liability. 
Fiduciary Liability Insurance
This type of specialty insurance protects individuals acting as ERISA fiduciaries against  claims alleging mismanagement of a company’s employee benefits program. Included within this coverage is protection against allegations of denial of benefits, administrative error/enrollment oversight errors, and failing to diversify a plan's assets properly.
Cyber Insurance
One of the fastest growing segments of insurance coverage, cyber insurance protects businesses against first-party and third-party losses stemming from cyber-related incidents. Not only are traditional data breaches covered, but claims involving loss of business income as well as ransomware demands are included.

What People Are Saying

Mark and Mike Miller, Executive Vice President / Fred J. Miller Inc.

"We’ve found that it is easy to do business with The Uhl Agency, which in turn allows us to focus more on our company and less on various insurance matters. We appreciate their customer service and the quick turnaround that they provide for our insurance-related needs.

Their knowledgeable staff is always ready to help us."

Jim Houpt, President / Merchants Security

"I highly recommend using the Uhl agency for any of your insurance needs.  They are easy to work with and very responsive.  I have always felt they have my best interest in mind both personally and for my business. There is no other agency that will treat you this well."

Dayton skyline photos by Aaron Lee

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