Business Details
49 Years
experience
Emergency
services
Your Trusted Independent Insurance Agency in Northern Kentucky
At C.K. Ash, we have served as a trusted independent insurance agency since 1977, dedicated to delivering quality products and services tailored to our clients' unique needs. Our team of seasoned professionals prioritizes building long-term partnerships with clients and carriers through a commitment to excellence, integrity, and personalized service. We specialize in addressing diverse risksfrom personal insurance and small businesses to large commercial exposuresby designing customized risk management plans that evolve with our clients' changing needs.As an independent agent, we work exclusively for our customers, offering access to a select group of leading insurance companies to ensure competitive pricing and comprehensive coverage. Our philosophy centers on putting the customer first, reflected in our business model and partnerships with insurers who share our dedication to client satisfaction.
Services
Personal Auto Insurance
Homeowners Insurance
General Liability Insurance
Commercial Property Insurance
Farm Insurance
Workers Compensation
Umbrella Insurance
Health Insurance
Life Insurance
Bond Services
Details
- Year established: 1977
Highlights and features
- We are independent agents representing top-tier insurance companies to find your best fit.
- Our team offers personalized service tailored to unique personal and business risks.
- Decades of expertise in risk management for individuals, small businesses, and commercial clients.
- Customer-first philosophy ensures transparent, ethical insurance solutions.
- Conveniently located near Cincinnati with local market expertise.
Services
Personal Auto Insurance
We provide comprehensive personal auto insurance solutions tailored to individual drivers' needs. Our policies cover liability, collision, and comprehensive protection while offering customizable options for unique driving situations. With partnerships across top insurers, we help clients secure competitive rates without compromising coverage quality.
General Liability Insurance
Our general liability insurance protects businesses from common risks like property damage and bodily injury claims. Designed for small to mid-sized companies, this coverage forms the foundation of commercial risk management strategies. We work with clients to customize policies that align with their specific industry requirements.
Farm Insurance
We offer specialized farm insurance for both hobby and commercial operations. Our policies protect agricultural properties, equipment, and livestock while addressing unique rural risk exposures. With deep local expertise, we help farmers secure comprehensive protection tailored to their operational scale and needs.
Workers Compensation
Our workers' compensation insurance solutions help businesses comply with legal requirements while protecting employees and employers. We provide coverage for medical expenses and lost wages due to work-related injuries or illnesses. Our team assists clients in navigating claims and maintaining workplace safety standards.
Umbrella Insurance
We offer umbrella insurance policies that provide additional liability protection beyond standard home or auto coverage. These policies safeguard assets against catastrophic claims or lawsuits. Our experts help clients determine appropriate coverage limits based on their specific risk profiles.
Questions
What makes C.K. Ash different from other insurance agencies?
As independent agents, we work for our clients—not specific insurance companies—allowing us to find the best coverage options across multiple providers tailored to your unique needs.
What types of insurance do you offer?
We provide personal insurance (auto, home, life), business insurance (liability, property, workers' comp), farm insurance, and specialty coverage like bonds and umbrella policies.
How do I file a claim?
Contact us directly during office hours at 859-384-5200 or use our after-hours number 513-736-6729. We'll guide you through the claims process with your insurer.
Do you offer 24/7 emergency services?
We provide after-hours claims assistance but maintain regular business hours Monday-Friday 8:30 AM-5:00 PM. Emergency needs outside these hours receive prompt callback service.
Can I update my policy information online?
Yes, we offer online forms for contact updates, ID card requests, and policy changes. For complex modifications, we recommend speaking directly with an agent.
Reviews (6)
Roxann Roush
Nov 16, 2021
Report
They are the best! Bert Smith helped me so much with my medicare! Highly recommend this agency for your insurance needs!
Amanda R.
Jun 20, 2021
Report
Our agent, Dominique Thomas, does an outstanding job! After being with C.K Ash for a few years we had to relocate - she helped us out when we moved and found us an insurnace company to work with. When we returned to NKY once again, she was there to start us back up on our home and auto insurance. She has been very responsive and professional!
Joe Forsyth
May 30, 2020
Report
Bert Smith was extremely professional and easy to work with! He was as helpful as anyone could possibly be.
Don Sharrow
Nov 20, 2019
Report
I've been with same insurance company for many years (20+) and their rates have continued to increase a lot over the last couple of years. So i decided to try an independent agent I must say C.K Ash was a breath of fresh air. Dominique was thorough and did a wonderful job of finding a new company with a substantial savings!
Celtic Roofing
Apr 23, 2019
Report
We have dealt with a few different people at CK Ash and they have all been wonderful. Watson helped us get a lower Workers Compensation rate, Bert has helped us with our health insurance, and Maribeth has been very helpful in a timely fashion. Great Service! Would recommend to all.
Troy Hufford
Oct 26, 2018
Report
Definitely. Get. This. Insurance. CK Ash is the best. I was in a car accident where a vehicle ran into me in an intersection on a Friday night and i received a rental car the next morning and a check for my totalled vehicle on Sunday and i was able to purchase a new car on Monday. This company is the best. They have a personal touch that you won't get with other insurance companies.
