I started with Barb because I had been fussing with my old personal lines carrier about their billing cycle. I sure wasn’t expecting the thoroughness of her presentation, and her genuine concern that we had adequate coverage for our situation. The cost was about the same, but the care so much better that we switched. With no pressure from the agency, we submitted our business insurance for review and they recommended some things that made very good sense, again at a reasonable price, so we switched that over. The office responds to our customer’s request to provide COI’s immediately and accurately. So, having done so well with all things insurance, when I lost my private health coverage, among many options, I checked with the agency about putting together a company plan, which we now offer to our employees. I can’t say enough about the genuine interest that this agency has in making sure we are balancing the cost of insurance vs our genuine need for protection. They’re pleasant, easy to work with, personable, and have our best interest at heart.
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More Business and Farm Policies
Farm Dwelling Insurance in Chesterland, Oh and serving Northeast Ohio
IT’S MORE THAN A FARM, IT’S YOUR HOME.
Operating a farm or ranch is a unique business in many ways. One big difference from most other jobs is that many farmers don’t just work on their property, they live there too. Having the right protection depends on the situation of each individual family.
While not as comprehensive as a complete Farm Owners policy, some people may find that Farm Dwelling coverage is enough to meet their needs. Farm Dwelling Insurance from Luczkowski Agency Insurance and Financial Services protects the building you live in and any attached structures, including rental properties, by helping to pay for damages that result from a covered incident.
Depending on your specific policy options, it can also include additional coverage for personal property or provide additional living expenses, if your home becomes uninhabitable due to a covered loss.
Other insurance provisions such as Liability or Medical Payments coverage, are not included in a Farm Dwelling policy, so if you are looking for a more complete solution for all your farm insurance needs, a comprehensive Farm Owners policy may be the right choice for you. Talk to a specialist at Luczkowski Agency Insurance and Financial Services to learn more about how our insurance solutions can best benefit your agribusiness.
Equine Insurance in Chesterland, Oh and serving Northeast Ohio
LIVE TO RIDE.
You’ve spent time training, taking care of, and most likely competing with your horse. As a proud owner, it’s up to you to ensure its safety and well being.
Your horse represents both a financial and emotional investment, and medical expenses can be costly.
An Equine Insurance policy from Luczkowski Agency Insurance and Financial Services provides coverage for a variety of costs and expenses related to the upkeep of your animal. Our policy options include:
- Full Mortality and Theft – to insure your animals against death as a result of injury, illness, disease, humane destruction, transportation, or theft.
- Major Medical Coverage* – to provide reimbursement for the cost of medical and surgical bills caused by accident, sickness, or disease.
- Loss of Use – for compensation in the event your horse becomes totally and permanently unable to perform the duty for which it was insured.
- Stallion infertility – for coverage in the event your stallion becomes permanently incapable of producing offspring due to an accident, illness, or disease.
Finding the right coverage options for your horse doesn’t have to be difficult. At Luczkowski Agency Insurance and Financial Services, one of our insurance specialists can help educate you on the different coverage options and rates available for your special animal, and together you can build the perfect policy that fits the needs of you and your horse.
*Major Medical Coverage is an addition to the Full Mortality policy and cannot be purchased alone.
Farm Equipment Insurance in Chesterland, Oh and surrounding areas
KEEP YOUR EQUIPMENT RUNNING STRONG.
As a farmer, you rely on your equipment to run like clockwork. But in the event of equipment breakdown or failure, it can be difficult and expensive to repair. Damaged or broken equipment can easily cost thousands of dollars to replace, which is why Farm Equipment Insurance is just as important to your agribusiness as the equipment itself.
At Luczkowski Agency Insurance and Financial Services, we’re dedicated to the success of your farm or ranch, and we understand that equipment breakdown can mean lost income. That’s why we design comprehensive insurance policies to keep farms running smoothly in the event of an accident. Equipment breakdown coverage goes beyond your standard Property Insurance policy to protect against damage caused by power surges, mechanical breakdown, motor burnout, and even operator error.
Equipment and machinery included under a Farm Equipment Insurance policy includes, but is not limited to:
- Heating and Cooling Systems
- Production Equipment
- Boilers, Pressure Vessels, and Water Heaters
- Pumps
- Electrical Distribution Systems
- Refrigeration Equipment
Contact Luczkowski Agency Insurance and Financial Services today to find out how a Farm Equipment Insurance policy can keep the productivity of your farm moving.
Commercial Umbrella Insurance in Chesterland, OH and surrounding areas
EXTRA PROTECTION THAT KEEPS YOU IN BUSINESS.
As a business owner, keeping your business insured is one of the most important financial decisions you can make. But if you don’t have a sufficient amount of coverage, your current policy may not have the extra layer of protection needed for situations that can jeopardize your finances or even your operations.
With Commercial Umbrella Insurance from Luczkowski Agency Insurance and Financial Services, you can protect your business and your assets in the event that your company gets sued in a major lawsuit.
A Commercial Umbrella policy will provide your business with additional coverage should a lawsuit or major accident exceed the limits of your existing, or underlying, General, Auto, or other business liability policy. It can also insure an incident that occurs outside of your coverage territory.
What Does Commercial Umbrella Insurance Cover?
Major lawsuits are a result of accidents that occur either on or off the premises of your business. The following are examples of situations where Commercial Umbrella coverage can safeguard your business:
- Accidental falls or slips on your property
- A carbon monoxide leak in your building
- Libel, slander, or invasion of privacy
- If one of your products causes injury or illness
- If a fire in your building damages other property
- Violations of Employment Practices Liability
- If your business vehicle is involved in an accident
How Much Umbrella Coverage is Enough?
Since lawsuits can be expensive and accidents do happen, you can never be too careful with your coverage options. That’s why at Luczkowski Agency Insurance and Financial Services, our helpful insurance experts will work with the individual needs of your business to find a level of protection that keeps you and your operations secure. Commercial Umbrella Insurance is simply an affordable coverage that can help you avoid major losses.
Protect your business personally and financially with a Commercial Umbrella policy from Luczkowski Agency Insurance and Financial Services.
Get a free estimate on this policy
What our clients say about us.
I’ve been working with Barb and her team for the past several months. I’ve been truly impressed with their level of service and professional expertise. They absolutely know this industry and how to help families and businesses in the community.
Randy Rohde
Barb and her staff are professional and help their clients find the best rates available. They are the best agency I have ever been with and offer a wide variety of services to help all their clients!
Michelle Serfozo
Very Professional and Dedicated Staff. Absolutely Courteous, Dedicated, Prompt and we always felt at home while dealing with them for almost over a decade and never thought of switching in spite of several price down offers. Good Luck, Keep up the good work.
Ramesh Vaid
A great place to handle your insurance needs! They have consistently been helpful when I call them and quick to answer questions or concerns. Very nice people to deal with in the over 10 years that they have been my primary insurance agency!
Roger Loveland
I have been with the Luczkowski agency for many years and will continue to do so for many more years to come. They strive to provide excellent customer service. I feel like a valued customer and I appreciate knowing if I ever need help my agent will be there for me.
Louise F.
EXCELLENT CUSTOMER SERVICE! You are treated like family! Barb and her staff go above and beyond for their customers! They are active with not only with their customers but also with the community ( an A++ in my book!) They are knowledgeable, kind and very prompt getting you information, getting you the best rates on any coverage or answering questions. I HIGHLY RECOMMEND this office and Nationwide!!
Kristine Shreves
Barb and the agents at the Luczkowski Agency are GREAT!! Whenever I have a question, I do not hesitate to call or send an email because I know they will get back to me with an answer. They are kind, efficient, and extremely helpful. Recently, I switched with another carrier associated with the Luczkowski Agency because Barb wanted to help bring my high insurance rates down. She knew that being a single parent with a college student was costly for me. I cannot say enough good things about this agency.
Melissa Eisel
We have been with Nationwide for almost 20 years now and wouldn’t think of switching to anyone else. We have been with Luczkowski Agency for a lot of that time and they take excellent care of us. We get great rates and they update them twice a year and give us savings anytime they are available. When other homes on our street got flooded, we were the only ones who actually got help from our Insurance Company! The only ones. I couldn’t believe the other companies didn’t do anything for their clients. They have gone out of their way to make life bearable when it has been hard and trials have come. We have used the car towing service repeatedly and they have always been there. We love Nationwide and think they are exceptional.
David Marks
Great agency! Always very helpful finding the coverage I needed. Was very quick to respond to any questions or concerns I had.
Louise Reames
They shop around and always get you the coverage you need at an affordable price. Staff is friendly and very knowledgeable.
Dale D,
The Luczkowski Agency always exceeds my expectations and the team provides outstanding customer service! I can call them with any questions and get an immediate answer from someone I know at the agency. I love the service and I highly recommend the Luczkowski Agency for all of your insurance needs.
Frank S.
I’ve had an excellent experience working with the Luczkowski Agency. Their communication is fantastic, they are pleasant to speak to, and are extremely helpful. I have multiple insurance policies with them and will be continuing to work with them. I highly recommend it.
Daniel C.
Barb and her team are the best. Service and attention to detail assure me that I have the right coverage, no more or less than I need, and at the right price. I have homeowners, auto, and even my motorcycle insurance with the Luczkowski Agency.
I had an auto claim, repairs done at the shop I chose, and no hassles at all getting the work paid. The follow up was great, Barb called to be sure the work was done and I was happy.
I give Luczkowski Agency my highest rating!
Norm I.
Insurance is a vital need in this busy and changing world, and you need care and support from knowledgeable and caring professionals…, and that would be The Luczkowski Agency Insurance & Financial Services.
For years this team has helped me find exceptional and affordable care for the entire family.
When we needed the Luczkowski team most, they were there for us.
I’m so grateful for the peace of mind and kind, caring support.
The Luczkowski Agency is the best insurance and financial service company in the business.
Elaine S.
Barb and her team are knowledgeable, professional, and dedicated to helping their clients–even if they may not be the best price. I would definitely recommend them!
Julia B.
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