Business Details
49 Years
experience
Your Trusted Independent Insurance Partner in Northern Kentucky
C.K. Ash has been a trusted independent agency since 1977, dedicated to delivering personalized insurance solutions. Our team of seasoned professionals prioritizes client needs, offering tailored risk management plans across personal, business, and commercial insurance. As an independent agent, we partner with leading insurers to provide competitive pricing and comprehensive coverage.Our expertise spans auto, home, life, flood, and specialty insurance, with a focus on integrity and long-term client relationships. Located in Northern Kentucky, we serve clients in the Greater Cincinnati area and beyond, combining local knowledge with national resources to meet evolving insurance needs.
Services
Auto Insurance
Homeowners Insurance
Life Insurance
Commercial Insurance
Flood Insurance
Personal Articles Insurance
Landlord Protection
Umbrella Insurance
Collector Car Insurance
Condo Insurance
Details
- Year established: 1977
Highlights and features
- We offer independent agent status with access to multiple insurance carriers
- Our team has specialized expertise in personal, business, and commercial insurance
- We provide customized risk management plans since 1977
- Our local Northern Kentucky presence ensures personalized service
- We maintain partnerships with leading insurance companies for competitive pricing
What people say
Personalized service
Knowledgeable agents
Comprehensive coverage
Competitive pricing
Quick claims processing
Services
Auto Insurance
C.K. Ash offers comprehensive auto insurance solutions protecting against collision, comprehensive damage, liability, and uninsured motorists. Our policies cover standard vehicles, collector cars, and commercial fleets with customizable deductibles and coverage limits. We help clients navigate state requirements while ensuring adequate protection for their specific driving needs and vehicle values.
Homeowners Insurance
Our homeowners insurance provides coverage for dwelling damage, personal liability, medical expenses for guests, and additional living expenses during repairs. We offer specialized policies for condos, rental properties, and high-value homes with optional scheduled personal property coverage for valuable items like jewelry and art collections.
Life Insurance
We provide term, whole, and universal life insurance policies to meet diverse financial planning needs. Our solutions help protect families against income loss, cover final expenses, and create legacy plans while offering living benefits through cash value accumulation for long-term financial strategies.
Commercial Insurance
Our commercial insurance packages address property damage, liability risks, and business interruption coverage. We specialize in construction, manufacturing, and professional services industries, offering tailored solutions including workers' compensation, commercial auto, and specialized liability coverage to protect growing businesses.
Personal Articles Insurance
This specialized insurance covers high-value personal items like jewelry, firearms, and collectibles that exceed standard policy limits. We provide scheduled coverage with agreed value protection, ensuring full compensation for unique possessions that require enhanced protection beyond typical homeowners policy limits.
People
Brian C. Jones
President/CEO
With over 30 years in insurance, Brian leads C.K. Ash's commercial division. He holds industry leadership roles and awards, including the Big Spike award eight times, demonstrating deep expertise in commercial risk management and client service excellence.
Bert Smith
Vice President
Bert manages our benefits department with expertise in life and health insurance. A Morehead University graduate, he serves on multiple advisory boards and combines community leadership with 20 years of agency experience to deliver comprehensive insurance solutions.
Watson Jones
Vice President
Watson specializes in commercial insurance with University of Kentucky business credentials. He actively participates in local industry associations and holds leadership awards, bringing both technical expertise and community-focused service to business insurance clients.
Chuck Honkomp
Commercial Lines Account Executive
With 30+ years in insurance and a CPCU designation, Chuck focuses on construction and manufacturing industries. His extensive claims and underwriting experience provides unique insights for developing comprehensive commercial risk management strategies.
Sherri Thomas
Commercial & Personal Lines Account Executive
Sherri brings decades of local insurance experience, combining deep knowledge of Boone County with personalized service. Her community involvement and insurance expertise make her a trusted advisor for both personal and business insurance needs.
Questions
What makes C.K. Ash an independent insurance agency?
As an independent agency, we partner with multiple insurance carriers rather than representing a single company. This allows us to offer unbiased recommendations and find policies that best match our clients' specific needs and budget.
What types of personal insurance do you offer?
We provide comprehensive personal insurance including auto, homeowners, life, flood, umbrella, and specialty coverage for unique assets like collector cars and valuable personal items.
Do you offer commercial insurance for growing businesses?
Yes, we specialize in commercial insurance solutions including business auto, property coverage, liability protection, and risk management plans tailored to evolving business needs.
How do you help clients with risk management?
Our team conducts thorough risk assessments to identify potential exposures, then develops customized insurance programs and risk control strategies to protect both personal and business assets.
What areas do you serve?
We primarily serve Northern Kentucky, Greater Cincinnati, and Southeastern Indiana, providing both personal and commercial insurance solutions to clients throughout these regions.
