Martin & Lark Insurance Agency

Serving Northwest Ohio and Michigan for over 80 years

Martin & Lark Insurance Agency – offering personal and business solutions since 1936.

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Insurance in Rossford, OH and throughout Ohio and Michigan

Martin & Lark Insurance Agency has been offering personal insurance and business insurance throughout Northwest Ohio for over 80 years!

Serving Northwest Ohio since 1936

About Martin & Lark Insurance Agency

We are an independent insurance agency specializing in Dealership Insurance, Garage Repair Shop Insurance, Contractor Insurance, Surety Bonds and Restaurant Insurance in Rossford, OH and throughout Ohio and Michigan, including Monroe County, MILucas County, OHOttawa County, OH and Wood County, OH.

Being independent means our priority is you—not the insurance company. We represent many different insurance companies offering a wide variety of coverage options and price points. Our goal is to deliver the right blend of price, coverage and service to all of our clients.

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We take the time to get to know your business.

Keeping you protected is our number one priority.

Our highly skilled team understands business insurance and the options available.

When you call our offices you will always speak to a live person.

With multiple carriers we can find the insurance policy that fits you best.

Featured Testimonials

I am a loan officer with Union Home Mortgage and belong to Elite Referral Partners BNI group, where Chad Brogan is our agent Rep. I have referred Chad to my clients and others, and everyone that he has worked with is impressed with his professionalism and ability to get the job done. I currently use Martin and Lark Insurance for my personal insurance needs and they have been wonderful to work with and have saved me money over my previous carrier. Thanks Chad!

Rudy O.

I have been with Martin Lark for over 10 years. They have always been very helpful in offering me insurance options that meet my needs. Deb, at Martin Lark Insurance, was quick and responsive when I needed to file a claim for wind damage to my roof. The adjuster came out the next day and offered good advice, as well as recommendations on the repair work.

Charlie S.

I have been with Martin & Lark Insurance Agency for many years. Using them for my home, cars and even my scooter! Recently I had an unfortunate incident with my car and they handled it promptly and professionally. I would suggest Martin & Lark Insurance Agency to anyone looking for all types of insurance! Thank you!

Cindy B.

We have grown every single year and with growth comes change and with change comes different coverage needs. I am more than satisfied with Rick Reichow of Martin & Lark Insurance Agency for making certain I am fully covered both professionally and personally.

Tony S.GM - Pro Edge Lawn Care

The service and attention to detail are truly second to none. I highly recommend you contact this agency as soon as you can. You will not be disappointed!

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There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Personal InsuranceBusiness Insurance
Garge/Repair Shop

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. Coverage limits generally range from $100,000 to $1,000,000.

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 - Garage Keepers

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 garage keepers 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 Mobile Equipment Policies

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 and Employers Liability

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 protects 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 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 or excess insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over your general liability insurance, workers' compensation and business auto insurance. It provides a great safety net and helps ensure your repair shop business is well-protected.

Rossford, OH Office

1265 North Dixie Highway
Rossford, OH 43460

Also providing service throughout Ohio and Michigan, including Monroe County, MILucas County, OHOttawa County, OH and Wood County, OH.

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As an independent agency, we offer multiple options at competitive prices.

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