Business Details
Your Trusted Insurance Partner in Ohio
As a family business dating back to 1877, we have built a legacy of providing personalized insurance solutions rooted in community values. Our fourth-generation leadership combines deep industry expertise with a commitment to innovative risk management, offering tailored coverage for individuals, businesses, and agricultural operations. With offices across Ohio, Kentucky, and Indiana, we prioritize transparent communication and long-term relationships, ensuring clients understand their policies and receive unwavering support during claims.Our team of certified professionals brings decades of combined experience, holding advanced designations like CIC, CISR, and CPIA to deliver specialized expertise. We maintain A+ ratings with major insurers and invest in community initiatives, reflecting our dedication to both client satisfaction and regional growth. Through strategic acquisitions and sustainable practices, we remain a trusted advisor focused on protecting what matters most to our clients.
Services
Personal Auto Insurance
Home Insurance
Commercial Property Insurance
Farm Insurance
Life Insurance
Health Insurance
Umbrella Insurance
Cyber Liability Insurance
Directors & Officers Insurance
Restaurant Insurance
Highlights and features
- We offer 148+ years of insurance expertise with fourth-generation leadership.
- Our team holds advanced industry certifications including CIC, CISR, and CPIA.
- We provide localized coverage across Ohio, Kentucky, and Indiana with 5+ offices.
- We maintain A+ ratings with major insurance carriers for reliable claims handling.
- We combine traditional values with innovative risk management solutions.
What people say
Made it easy to understand options
Sensible recommendations
Meet at our office
Coverage grows with company
Services
Personal Auto Insurance
We provide comprehensive personal auto insurance coverage tailored to individual driving needs and risk profiles. Our policies protect against accidents, theft, and liability claims while offering customizable options like roadside assistance and rental reimbursement. With local expertise in Ohio, Kentucky, and Indiana regulations, we help clients select appropriate coverage limits and discounts based on driving history, vehicle type, and usage patterns.
Commercial Property Insurance
Our commercial property insurance protects businesses against physical damage to buildings, equipment, and inventory from fire, storms, or theft. We offer customizable policies for various industries including manufacturing, restaurants, and small businesses. Coverage includes business interruption protection and equipment breakdown, with specialized options for cyber liability and directors & officers insurance to address modern business risks.
Farm Insurance
We specialize in farm insurance covering crop losses, livestock protection, and equipment damage for agricultural operations. Policies include country home insurance, stable boarding coverage, and manure hauling protection. With our deep roots in Ohio's farming community since 1877, we provide tailored solutions for crop variability, livestock mortality, and liability risks unique to agricultural businesses of all sizes.
Life Insurance
We offer both term and whole life insurance policies to secure financial protection for families and dependents. Our independent agents compare multiple carriers to find appropriate coverage amounts and premium structures based on individual needs. We provide guidance on policy features like cash value accumulation, riders, and estate planning considerations to ensure long-term financial security for policyholders' loved ones.
Health Insurance
We help individuals and families navigate health insurance options through federal marketplace plans and employer-sponsored coverage. Our experts explain subsidy eligibility, network limitations, and deductible structures to find cost-effective solutions. We provide ongoing support with policy renewals and changes in coverage needs due to life events or healthcare regulation updates.
People
Brian Smith
President
Fourth-generation leader with 30+ years experience, holding Finance degree from Xavier University and MBA from Notre Dame. Specializes in complex commercial coverage solutions and serves on Clinton County Port Authority Board.
John Luttrell
Vice President
35+ years in insurance industry, leading personal lines and agriculture divisions. Ohio State University graduate with expertise in customized individual policies and farm insurance solutions, serving on Clinton County MRDD board.
Todd Heskett
Account Executive
Former co-owner of Heskett Insurance with 20+ years experience, joining SFM in 2024 for enhanced service capabilities. Active in Hillsboro community and Highland County Hospital Foundation Board of Directors.
Mary Heskett
Account Executive
20+ years insurance experience, focusing on personalized service continuity after partnering with SFM. Community-oriented professional involved with Highland County Hospital Foundation initiatives and local outreach programs.
Donna Sinclair
Account Executive
Commercial insurance specialist with 25+ years experience, providing risk management solutions since joining SFM in 2018. Paralegal degree holder focused on building long-term client relationships and comprehensive business coverage strategies.
Questions
What types of insurance does SFM Insurance offer?
We provide personal, commercial, farm, life, and health insurance solutions with over 30 specialized coverage options.
How can I get a free insurance quote?
Request a free quote through our website or contact any of our Ohio offices directly for personalized assistance.
Do you offer insurance for agricultural businesses?
Yes, we specialize in farm insurance with tailored coverage for crops, livestock, equipment, and country homes.
What areas do you serve?
We serve Ohio, Kentucky, Indiana, and surrounding regions with local offices in Wilmington, Chillicothe, Cincinnati, and Delaware.
How do I file an insurance claim?
Contact our claims department directly at 937-382-2546 or reach out to your assigned agent for immediate assistance.
Are your insurance agents certified professionals?
Our team includes CIC, CISR, and CPIA designees with decades of combined industry expertise and continuing education.
