Making a Difference Since 1923

Andres O’Neil and Lowe Insurance Agency serves commercial, agriculture and individual customers through offices in Bryan, Archbold and Wauseon, Ohio. For over 90 years, clients have trusted our agency to provide exceptional service, protection and peace of mind. From handling claims with efficiency and compassion to proactive pricing strategies, we are committed to making a difference for you.

Competitive Pricing

As an independent agency, we work with a variety of carriers to provide the right coverage at the right price.

Complete Convenience

You can save time, hassle and money by working with one team for all of your insurance needs.

Peace of Mind

All of our policies are backed by experienced agents who are here when you need them.

Local Knowledge

We live here and work here, just like you, giving us unique insight into what it takes to help protect your family, your business and your assets.

Our coverage options are backed by tools that make it easy to purchase, renew, file claims and get questions answered. Life isn’t always convenient, but when you work with AOL, your insurance can be.

Let us put our experience to work for you. Contact us today for a free assessment.




“We would just like to thank Andres O’neil & Lowe for helping us find insurance on a property we just acquired in Florida. We have been a customer for quite a while, since they took over Cincinnati Insurance from our previous insurance agent, DeFord Schwall. We called, and they said they didn’t insure properties in Florida. I contacted Melinda Robinson, and she said she had contacts in Florida, and would talk to an agent she has worked with in the past for other customers in Archbold, with Florida properties. After multiple phone calls and emails, we got coverage in Florida, and felt extremely confident that the Florida agent would take good care of us, based on Melinda’s recommendation. It is truly comforting knowing that your insurance agent is willing to go above and beyond the call of duty! Thank you Melinda, and Andres O’Neil & Lowe.”

Randy and Sandy Stuckey