Personal. Business. Life. Twenty-two carriers. One agency.
Richard Halstead, CIC, CPCU · Emily Halstead-Garber, CIC, AAI · plus seven producers and three account managers.
CHOICE
However your life is built, we can write the policy that fits it.
Most clients eventually use all three. About 38% of our households also write a commercial policy with us. Eight in ten add a life policy within their first three years.
For your family.
Auto, home, umbrella, life — and the boats, RVs, jewelry, and classic cars that personal lines tend to forget. We write twelve personal-lines carriers and shop the full appetite at every renewal.
- Auto Insurance
- Home Insurance
- Life Insurance
- Umbrella Liability
- Personal Articles & Specialty
For your business.
BOP, GL, Workers Comp, commercial auto, property, and cyber. Twelve commercial carriers and meaningful appetite in trades, hospitality, professional services, retail, manufacturing, and real estate.
- Business Owner's Policy
- General Liability
- Workers Comp
- Commercial Auto & Fleet
- Cyber Liability
For what's ahead.
Term while the kids are home. Whole life for estate work and final expense. Disability income protection for the years your paycheck is the policy. Patricia Beauchamp, CLU, ChFC, runs the practice.
- Term Life
- Whole Life
- Universal Life
- Disability Income
- Annuities
The captive agent is selling the company's appetite. We're selling yours.
An independent agency is appointed with multiple carriers. Each carrier has its own "appetite" — the kinds of risk it wants to write and the kinds it doesn't. When your renewal comes due, we don't just hand it back to one company. We shop the specific risk — your house, your driving record, your business class code, your specific liability exposures — across the carriers whose appetites fit.
A captive agent doesn't have that option. A State Farm agent sells State Farm. A Nationwide agent sells Nationwide. When the company's appetite changes — when they non-renew everyone in a flood zone, raise rates 22% in a single cycle, or stop writing teenage drivers in your zip code — the captive agent is along for the ride.
"Where a direct writer is beholden to the promotions and policies passed down from their leadership, they are limited to only what's available at that moment through their company. We're independent because the alternative is to sell whatever the home office tells us to sell." — Rich Halstead, CIC, CPCU · Founder
We're appointed with 22 carriers.
Personal lines, commercial, and life — across regional Ohio mutuals, national majors, and specialty markets.
"We moved our HVAC business and our home onto Beacon Ridge last spring. Rich rewrote the commercial onto Cincinnati Specialty, saved us $11,400 a year on the GL alone. Same coverage, better Workers Comp. We hadn't even known we were over-insured on the captive side."— Mark Reichert · Owner, Reichert Heating & Cooling · Westerville, OH
Five producers. Three account managers. One agency.
Richard Halstead
CIC · CPCU
Founder & Principal
Emily Halstead-Garber
CIC · AAI
Principal
James Connell
CIC · CPCU
Commercial Producer
Patricia Beauchamp
CLU · ChFC
Life & Benefits
Marcus Tao
CISR
Personal Lines
Linda Schramm
CIC
Commercial Producer
Jenna Whittaker
AINS
Personal Lines
Karen Brennan
CISR
Personal Account Manager
We write commercial across these industries.
A non-exhaustive list — but the verticals where our placement experience runs deepest.
Trades & Contractors
HVAC, plumbing, electrical, roofing, general contractors. Heavy on GL, Workers Comp, commercial auto, and contractors' tools & equipment.
See coverage →Restaurants & Hospitality
Full-service restaurants, quick-serve, bars, and small lodging. Liquor liability, business interruption, and spoilage coverages dialed in.
See coverage →Professional Services
CPAs, attorneys, consultants, architects, engineers. Errors & omissions paired with the right BOP, plus cyber liability for the data exposure.
See coverage →Retail
Boutiques, specialty retail, small chains. Product liability, business personal property limits sized to actual inventory, and theft coverages that actually trigger.
See coverage →Manufacturing & Wholesale
Mid-market manufacturers, fabricators, and wholesalers. Product liability, equipment breakdown, and commercial property with replacement-cost endorsements that match the equipment.
See coverage →Real Estate Investors
Single-family rentals, small multifamily, mixed-use. DP-3 dwelling fire policies, vacancy endorsements, and liability programs built for landlords with three to thirty units.
See coverage →We'll call back within four business hours.
Tell us what you're insuring and how to reach you. A licensed producer will call back within four business hours during business days. No instant quotes, no email drip, no credit pull.
From Schrock Road, across Franklin County and Delaware County.
Westerville · Columbus · Dublin · Worthington · New Albany · Gahanna · Reynoldsburg · Pickerington · Powell · Hilliard · Upper Arlington · Bexley · Granville · Plain City.
780 East Schrock RoadWesterville, OH 43081
Walk-ins welcome 8 AM – 5:30 PM, Monday through Friday.
After-hours emergency claims handled directly through each carrier's 24/7 line. See our claims page for the full list.