Martin & Lark Insurance Agency
Martin & Lark Insurance Agency – offering personal and business solutions since 1936.
Insurance Quote
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, MI, Lucas County, OH, Ottawa 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.
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.
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
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
