Here at Novak and Davis Insurance, we will always put your needs and best interests first. We’re a locally owned and operated independent insurance agency. That means we have a commitment to you, not the insurance companies. If you are looking for personalized, neighborly service, look no further. We take the time to get to know you and guide you throughout the insurance process and are driven to helping you find coverage that’s right for your specific needs. Since 1992, Novak and Davis Insurance has been serving the insurance needs of local families and businesses from our local New Middletown, OH office. We look forward to bringing you quality service and insurance solutions throughout Eastern Ohio and Western Pennsylvania.
Bundling home and auto insurance is the practice of buying these two insurance policies from the same company. Many companies offer a discount when you buy multiple policies and the paperwork can sometimes be easier this way. People often ask us, “Should I bundle my home and auto insurance?” There’s no one-size-fits-all answer, so let’s explore this more.
You might think that your landlord’s insurance covers your personal possessions. However, that only covers the building itself. Renters insurance is the only way to protect your valuables, and it’s much more cost-effective than you’d think.
Home Insurance
Your home is the center of your life. It’s also your biggest investment. So make sure you cover the unique risks you face with home insurance. Get the right policy that will take care of both small and large risks related to owning a home.
Key person life insurance can keep your business afloat in the event of the death of any employee who is an integral asset to the company’s survival. We’ll work with you to design coverage that helps assure the continuity of your business for employees, customers, and creditors.
We specialize in a wide variety of insurance solutions to meet your needs. Whether you’re looking for personal insurance or business insurance, we provide quality service and advice you can count on. Contact us today to get started.
Commercial Property Insurance
Commercial property insurance protects your assets in the event that they are stolen, damaged, or destroyed in a fire or natural disaster. We’ll partner with you to design insurance coverage that will protect your company’s property.
Workers Compensation Insurance
Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you understand your obligations.
Commercial Liability Insurance
A Business Owners Policy (BOP) combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to your industry.
General liability insurance mainly covers bodily injury to people outside of your business and physical damage to their property. A few exceptions to this principle include data loss and reputation damage (for example, if one of your business’ staff members defames a client). It’s important to note that general liability coverage doesn’t apply to cases where you are sued for giving inadequate professional advice. Errors & omissions insurance (E&O) can help to protect your business from that specific type of risk.
Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.