Business Details
50+ Years
experience
Your Trusted Insurance Partner in Westerville
We are an independent insurance agency based in Westerville, Ohio, serving clients with over 150 years of combined expertise. Founded in 1975, our agency has built a reputation for personalized service and deep industry knowledge. As Certified Insurance Counselors, we undergo rigorous training and maintain annual education requirements to ensure the highest standards. Our team of experienced professionals advocates for clients during claims and offers tailored policies from top-rated carriers. We prioritize understanding individual needs to deliver customized coverage at competitive rates. With decades of experience in auto, home, business, and specialty insurance, we provide comprehensive protection for individuals and organizations.Our commitment to excellence has earned recognition from industry leaders and long-standing client relationships. We operate with transparency, ensuring clients receive the precise coverage they require without hidden fees. Our multigenerational team combines traditional values with modern approaches to insurance solutions. Every interaction reflects our dedication to making insurance a personalized experience rather than a transactional process.
Services
Home Insurance
Auto Insurance
Business Insurance
Cyber Liability
Boat/RV Insurance
Solar Energy Insurance
Umbrella Protection
Pet Insurance
Surety Bonds
Life Insurance
Details
- Year established: 1975
Highlights and features
- We have over 50 years of insurance underwriting experience
- Our team holds Certified Insurance Counselor designations
- We offer policies from top-rated carriers like Travelers and Liberty Mutual
- We provide personalized policy customization for unique needs
- We advocate for clients during the claims process
Associations and certifications
- Certified Insurance Counselor (C.I.C.)
- Trusted Choice
What people say
Excellent customer service
Personal effort to resolve issues
50 years of experience
Top-rated insurance carriers
Personalized policy customization
Services
Home Insurance
We provide comprehensive home insurance solutions protecting against property damage, liability claims, and additional living expenses. Our policies include coverage for natural disasters, theft, and personal property protection. With options for customized endorsements, we ensure homeowners receive tailored protection matching their specific needs and property value.
Business Insurance
Our business insurance packages protect organizations from operational risks including property damage, liability claims, and business interruption. We offer customized policies for various industries with options for cyber liability, workers' compensation, and specialized equipment coverage. Our expertise ensures businesses maintain adequate protection while complying with regulatory requirements.
Cyber Liability
We provide cyber liability insurance covering data breaches, network security failures, and digital asset protection. Our policies include coverage for legal expenses, notification costs, and business interruption losses. With increasing cyber threats, we help businesses implement risk management strategies and maintain compliance with data protection regulations.
Boats/RV Insurance
Our recreational vehicle insurance covers boats, campers, and RVs with protection against accidents, theft, and weather damage. Policies include liability coverage, emergency assistance, and specialized equipment protection. We offer flexible options for seasonal usage and storage periods while ensuring comprehensive protection for recreational assets.
Pet Insurance
We offer pet insurance plans covering veterinary expenses for accidents, illnesses, and routine care. Our policies include options for chronic condition management, prescription medications, and preventive care. With customizable deductibles and coverage limits, we help pet owners manage unexpected medical costs while ensuring quality care for their animals.
People
John Kalmbaugh
President/Certified Insurance Counselor
With 50 years of insurance experience, John Kalmbaugh is a Certified Insurance Counselor and Ohio State University graduate. He leads our agency with expertise in underwriting and policy customization, maintaining Trusted Choice membership while developing personalized client relationships.
Ian Kalmbaugh
Marketing and Communications
Ian Kalmbaugh combines marketing expertise with insurance knowledge in Santa Monica, California. He specializes in digital communication strategies while maintaining industry certifications, ensuring modern approaches to client engagement and policy education.
Kerry Kalmbaugh
Senior Associate
Kerry Kalmbaugh brings extensive insurance education experience as a licensed agent. She focuses on property and casualty policies, delivering detailed risk assessments and customized coverage solutions that prioritize client protection and policy value.
Lisa Graham
Customer Experience Specialist
Lisa Graham has 25+ years of insurance industry experience across agency and corporate roles. Specializing in personal lines, she ensures quality service delivery while maintaining expertise in policy administration and client relationship management.
Ludo Kalmbaugh
Customer Fun Officer
Ludo Kalmbaugh brings energetic client interactions to our team. While maintaining a friendly office atmosphere with his enthusiasm for outdoor activities, he supports client engagement initiatives and contributes to our positive service environment.
Questions
What makes Kalmbaugh Insurance different from online providers?
We offer personalized service with licensed agents who understand local risks and provide tailored solutions, unlike automated online platforms.
How do you help with insurance claims?
We advocate for clients throughout the claims process, ensuring proper documentation and timely resolution with insurance carriers.
What insurance types do you specialize in?
We specialize in home, auto, business, boat/RV, cyber liability, and specialty insurance with customized policy options.
Are you affiliated with major insurance carriers?
We partner with top-rated companies including Travelers, Liberty Mutual, Progressive, and Lloyd's of London.
How do you determine insurance rates?
Rates are based on individual risk factors, coverage requirements, and carrier-specific underwriting guidelines evaluated during personalized consultations.
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