Haughn & Associates, Inc. commercial insurance columbus ohio

Insurance Agency in Dublin
Open 24 hours
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Here’s Why Your Business Needs Equipment Breakdown Coverage | Equipment Breakdown Coverage is a type of insurance that can be found as a part of your Business Property Insurance coverage program. Does all equipment need this type of solid coverage? Maybe not. But if you’re dependent on machines t...

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How to Keep Your Crew Safe and Cool During Summer Construction | There are more than 15 deaths a day on the job, according to the Occupational Safety and Health Administration (OSHA), equating to more than 99 workers killed in a single week. Unfortunately, construction keeps the world running. Bu...

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How to Draw in Renters for Your Commercial Property | With the real estate market being unpredictable and rough, it’s even harder to draw in renters, especially to high-end commercial properties.

There are a number of things that today’s businesses look for in their properties. Location, proximi...

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Replacement Cost vs. Actual Cash Value: What That Means for Your Property Insurance Policy | A 2018 survey found that nearly half of all property owners don’t understand terms like “replacement cost” and “actual cash value”. If you don’t know what these terms mean, you’re going to have problems u...

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There are 30.2 million small businesses in the United States in 2018, accounting for 99.9 percent of all US businesses, according to the U.S. Small Business Administration’s Office of Advocacy. With that many businesses existing, it’s clear to see that not every insurance plan will work out the s...

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According to the Insurance Information Institute there are over seven million small businesses in the United States, ranging from construction firms to grocery stores and home-based businesses. Regardless of which type of business you own, commercial property insurance is a must-have to protect y...

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A surety bond is a three-party contract comprised of the surety, the contractor and the owner. A surety bond is not your typical insurance policy. For privately-funded projects, surety bonds allow for the smooth transition from construction financing to permanent financing, all while providing th...

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In 2014, 39 percent of individuals had short-term coverage and 33 percent had long-term disability insurance, according to the Bureau of Labor Statistics. Sixty-five percent of respondents surveyed in 2017 by LIMRA, an association of financial services and insurance companies, said that most peop...

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If you work from home, then mixed use commercial property insurance could come in handy. Don’t think that because you don’t have an office, that you can go without it. There’s plenty of situations that can happen that will require it, especially if it’s something out of your control.

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Business Insurance

  • General Liability Insurance

    Purchasing Liability insurance to protect company assets from a variety of preexisting exposures requires a thoughtful and thorough review of one’s operations to effectively determine the appropriate limits one should carry, along with the overall extent and scope of coverages. At Haughn & Associates (H&A) our approach is to review your operation from every angle so that you have a program designed to respond. This includes reviewing unique liability exposures, contractual obligations and responsibilities, current insurance coverages, risk-tolerance level, and areas where mitigating and transferring risk is possible, as well as emerging industry trends.
  • Property Insurance

    Property insurance steps in to protect you against a loss whether you own or lease the building you occupy. It’s important to understand the breadth and depth of coverage you carry so you can rest assured if and when a loss occurs. As a valuable client of Haughn & Associates (H&A), our staff will review your insurance program to ensure you have the right amount of coverage along with the policy terms, features, and enhancements needed to cover the physical assets of your business and contents (including owned or leased equipment, furniture, inventory, and supplies) from fire, storm, accidents, malicious actions, theft, and other risks.
  • Package Policy

    Haughn & Associates (H&A) provides small and mid-sized businesses throughout Central Ohio and beyond with affordable package policies from the top-tier insurers with which we partner. Our Business Owner’s Policies (BOP) are tailored to our clients’ individual industries and specific operations, while our Commercial Package Policies (CPP) are designed to provide businesses and commercial property owners additional flexibility and customization that might not be offered in a standard BOP. A CPP is great for commercial clients that have a business with a higher-than-average risk, or for those whose business is too unique for a standard policy.
  • Commercial Auto Insurance

    Businesses that own company vehicles usually ask about Commercial Auto insurance, but there are many other firms that may not realize they too have automobile liability risks. For example, did you know that liability risks exist even if you’re not the owner of a company car or truck? No matter what kind of vehicle your employees use for business – their own cars, a company vehicle, or a rented automobile—if they’re responsible for an accident while on business, your company could be held liable for resulting injuries or damage. A Commercial Auto policy for owned and non-owned vehicles is needed to protect your company in these instances.
  • Pollution Liability Insurance

    Pollution liability risks are typically not included in a Commercial General Liability insurance policy and require special coverage so that a policy can respond in the event your company is found liable for bodily injury or property damage and cleanup costs from the leak or spill of fuel, chemicals, toxic gases, or other contaminants or corrosives. The most common businesses at risk are in the construction, property, manufacturing, and transportation industries, but many other industry sectors are also affected, including small businesses like landscapers and restaurants.
  • Professional Liability

    Effective risk management involves taking a close look at all your business exposures to determine how you can minimize or transfer those risks with sound best practices and insurance protection. If you are in the business of offering professional services, including Professional Liability coverage as part of your insurance program is a crucial decision. This coverage is designed to protect against liability as a result of a claim for an error, omission, or negligence in the performance of your professional work. At Haughn & Associates (H&A), we work with a great variety of professionals and offer custom-tailored Professional Liability insurance to meet the unique exposures that come with each profession.
  • Employment Practice Liability

    Employers today face an ever-increasing number of potential lawsuits in managing their workforce. There are a host of complex federal regulations designed to protect employees from a long list of discriminating practices. Emerging trends such as class-action claims render large, high-visibility verdicts and settlements. It’s a constantly changing landscape, and all of this can add to confusion for employers and greater exposures. Avoiding employment-related claims seems like a monumental feat for many. The key is in having strong human resources practices in place; keeping up to date with federal, state, and local regulations; and having a robust Employment Practices Liability Insurance (EPLI) solution that will respond in the event of a claim.
  • Cyber Liability Insurance

    Equifax and other commonplace names such as Verizon, Anthem, Home Depot, Sony, Target, and Citibank have all been victims of high-profile cyber attacks and leaks, compromising customer and/or employee data. These organizations make headline news because of the scope and extent of their breaches but many companies – from small to mid-size and large firms – are victims of cyber losses. From hacks, attacks, identity theft, ransoms, and even extortion attempts, millions of records are continually stolen and money fraudulently obtained by hackers and fraudsters. The need to step up security measures and protection today is vital for all businesses.
  • Directors & Officers Liability insurance

    Directors & Officers (D&O) Liability insurance provides coverage for company executives to protect them from claims that may arise from the decisions they make and actions they take within the scope of their regular duties. These policies are typically structured to offer several levels of coverage: personal liability protection for company directors and officers as individuals; reimbursement to a business if it made payments for a claim on behalf of its managers; or corporate coverage whenever the company is sued along with its directors and officers. Our professional staff at Haughn & Associates (H&A) will review how the various parts of a D&O policy work with you to determine the coverages best suited for your business and the exposures you face.
  • Crime & Fidelity

    Although most businesses do their best to hire honest workers and foster a culture based on integrity, fraud and employee theft in the workplace are surprisingly more common than one may think. This is especially so in smaller companies where there are fewer resources for stronger security measures to help prevent incidents. Statistics show that the average crime loss is $140,000 with many larger criminal incidents totaling even more than $1 million. The actual act of fraud typically occurs three years prior to detection; additionally, before actively committing a crime, 60% of fraudsters are employed for at least five years – occasionally even longer than that. The best defense here is actually offense. Implement standard practices to prevent these crimes and have the right insurance program in place to prepare for the very legitimate possibility of your business becoming an unfortunate victim of theft or fraud.
  • Workers’ Compensation insurance

    Workers’ Compensation insurance from Haughn & Associates (H&A) helps both employers and employees in the event of a work-related injury or illness. It pays for the employee’s recovery needs as well as lost income that may result from an injury or illness. Workers’ Comp assists with hospital and physician bills, medicine, physical therapy, and other recovery-related expenses.
  • Alternative Risk Solutions

    At Haughn & Associates (H&A), in addition to providing traditional insurance products to protect against risk, we also offer clients with complex, unusual, or difficult-to-insure risks with customized alternative risk solutions. These solutions include self-insurance plans, captive programs, large deductible plans, and risk retention groups, to name a few, and are designed to align with each of our client’s business and financial goals.

Life & Disability Insurance

  • Life & Disability Insurance

    Haughn & Associates (H&A) has a dedicated staff to design and service individual customized insurance programs for you and your family, including Life and Disability coverage. We are here to listen to your goals and guide you in protecting your family should a life-changing event occur that upends future plans and security. We know how important it is to take care of those that matter most to you.
  • Retirement 401(k)

    Haughn & Associates (H&A) knows how important your financial security is to you, which is why we want to ask the important questions today – in order to help you plan for your ideal tomorrow. We offer various retirement plans including 401(k)s to help you reach your retirement goals and to track the effectiveness of your program so that it keeps up with the intended pace as life changes take place.


3 months ago
They are great - best rates and good people.
- Robert G
3 months ago
- Nick W

Haughn & Associates Inc - Insurance

Founded by Michael Haughn in 1986, the Dublin, Ohio-based Haughn & Associates (H&A) is a full-service, family-owned, independent insurance agency with a team of agents proud to serve the custom needs of businesses and residents throughout our community and beyond. We have grown and expanded considerably over the years, but one thing above all else has stayed consistent since the agency opened its doors 30 years ago – our unwavering commitment to clients. Our primary intent is to offer the best possible price and unique insurance solutions for any given client. Each and every day we venture to find ways in which we can improve upon our high service standards, while striving to remain up to date on the latest insurance industry trends and regulations.

We live and work in Central Ohio, where we help protect the personal property and assets of our neighbors, mitigate and transfer risk for all types of businesses – from a single employer to a large corporation with thousands of employees – and provide employee benefit plans for organizations of all types. Our physical location in Franklin County by no means restricts the services we offer the residents and businesses of Ohio. We are also licensed in the majority of states throughout the country and can provide insurance for clients who have out-of-state personal and business interests, property, and assets to protect.

As we continue to expand, we intend to stay dedicated to the values that formed our good standing in the community and also to preserving the individuality that sets us apart. You can rely on our readiness to serve you and our staff’s think-outside-of-the-box mindset in order to construct innovative, tailored solutions that fit your specific risks and needs.

We represent a myriad of insurance companies, which provides us with the ability to offer an array of products and services and to also negotiate policy terms and rates on your behalf. As our client, your interests always come first, providing you with the peace of mind that comes with having a powerful and experienced advocate on your side.
From small businesses to large corporations, H&A helps business owners throughout Central Ohio and beyond identify and manage their risks. Our staff will get to know your operations, your employees, goals, and how the exposures you face can affect future ambitions. Once we gain a thorough understanding of your business, we put our experience to work to help mitigate, prevent, and transfer your risks through customized risk management services and insurance solutions.

At H&A, not only do we insure all types of companies, but our agency also specializes in several industry segments. Each industry comes with its unique exposures and requires the expertise that experience in the trenches provides. For example, we have over 30 years of experience providing insurance and surety solutions to contractors and their suppliers. We also have vast experience in the habitational niche with a wide variety of buildings and building types, and serve other industries including information technology, commercial property, agriculture (including farm machinery), county fairs, construction, and engineering.

We work as an essential extension of our clients’ workforce, with a mutual goal of reaching success and profitability. We provide our commercial clients with a wide array of coverages, including general liability, property, commercial auto, pollution liability, professional liability, cyber liability, E&O, D&O, crime & fidelity, workers’ compensation, risk solutions, surety bonds, and package policies. We also provide employee benefits programs such as group health, disability, life, dental, and vision, as well as wellness programs.

In addition to our extensive experience in business insurance, we also provide personal insurance to individual clients. We provide life insurance (including whole life, term life, and universal life), long-term disability coverage, home insurance, auto insurance, and other additional coverages.

Proof of our success lies in our longstanding client relationships and in the satisfaction of – and frequent referrals we receive from – our many customers. At Haughn & Associates (H&A), our core values and principles of integrity, honesty, dependability, innovation, and collaboration shape who we are and guide us; they ultimately allow us to provide our clients with high-quality insurance products and an unparalleled level of superior service, whether they’re a new customer looking for a quote or a long-time client looking to adjust their coverage. Each business, family, and individual is given the personalized attention needed to design the right fit of insurance and risk management protection.

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  • (877) 802-2298


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6050 Tain Drive
Dublin, OH 43017
United States

Business Hours

Mon:Open 24 hours
Tue:Open 24 hours
Wed:Open 24 hours
Thu:Open 24 hours
Fri:Open 24 hours
Sat:Open 24 hours
Sun:Open 24 hours
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