Commercial Insurance


The protection of your business, livelihood and future is a lot more complex than checking a box. Finding the right coverage may take a detailed approach, but that doesn’t mean the process has to be difficult. Our commercial insurance specialists are here to lead the way, asking the right questions and finding the right answers so you have the peace of mind that comes from knowing your business is properly covered.

Our independent agency provides:

  • Plan implementation
  • Communications
  • Education & training
  • Employee safety manuals
  • Loss control techniques
  • Claims analysis
  • OSHA recording & safety support
  • And more

Situational Analysis

Get peace of mind from data-based decisions. Each business faces unique challenges, from litigation risks and safety issues to complying with industry-specific OSHA regulations. We conduct a thorough situational analysis and use that data to find the right coverage for your business, at the right cost for you.

Claims Data Analysis

Save time, money and frustration. Data analysis does more than pinpoint risks, it also helps you reduce them. Our tools can help you develop loss control plans, reduce claims activity, reduce injuries, streamline administrative support and best of all—reduce the chance of losing assets.

Risk Management

We can help you identify risks, examine and recommend techniques to control it, and implement and monitor those recommendations. Consider AOL your key partner in continuous improvement, with tools that make it easy and convenient.


Improve productivity & the bottom line. OSHA and safety culture support can help reduce premiums and keep your workplace running smoothly. From preparing manuals to preparing for inspections, our team can help set your team up for success. What is a recordable incident? Is your business in compliance? Our expert team is here to help you navigate.

Let us show you how smart insurance solutions can help your company thrive. Contact us today for a free assessment.


Agriculture coverage is more than insurance. It’s protection for your land and your livelihood. We may not be able to control the weather, but we can help you prepare with the right coverage, no matter what Mother Nature has in store.

We have comprehensive agriculture lines, including:

  • Land and crops
  • Outbuildings, grain bins and dryers, silos and more
  • Livestock
  • Umbrella policies
  • Liability pollution coverage, including manure
  • And more

We can customize a coverage package that’s unique to your farming operation, providing the protection you need at the price you want.

Income & Operation Expense Coverage

As a farmer, you’re no stranger to going above and beyond. Shouldn’t your insurance do the same? We have options that cover your income and operating expenses as you bounce back from a loss, keeping you on your feet.

Equipment & Breakdown Coverage

Today’s equipment is more complex than it used to be, and hiring out repairs can add up. That’s nothing compared to what downtime costs. If your operation depends on it, chances are we can cover it, giving you the peace of mind and payout you need to keep on farming.

We’re local, just like you. We know the ups, the downs, the risks and the coverage you need to help protect your agriculture operation. Let us show the convenience, coverage and savings that come from working with one agency for all of your insurance needs. Contact us today for a free quote.

“Ohio Gas appreciates the relationship with Andres O’Neil & Lowe. AOL serves more as a risk manager than just an insurance broker.”

Kim Watkins, Ohio Gas Company