Business Details
Your Trusted Insurance Partner in Cincinnati, OH
At CAI Insurance, we approach risk management as a strategic partnership with our clients. Our team of seasoned professionals works closely with business owners to develop customized insurance solutions that minimize exposure and control costs. With expertise in commercial property, liability, workers compensation, and cyber liability insurance, we help clients navigate complex risks across multiple industries. Our Cincinnati-based team brings decades of local market knowledge and specialized certifications to every client relationship. We emphasize proactive risk assessment through tools like business risk evaluations and industry-specific coverage analyses.Our commitment extends beyond policy placement to ongoing education about emerging threats like ransomware and technology vulnerabilities. By combining personalized service with comprehensive coverage options, we empower businesses to focus on growth with confidence. Our affiliations with leading insurers and recognition in Insurance Journal's Top 20 Agency Partnerships underscore our industry standing. We maintain transparent communication throughout the claims process and policy management, ensuring clients receive consistent support tailored to their evolving needs.
Services
Business Property Insurance
Liability Insurance
Workers Compensation
Business Auto Insurance
Cyber Liability Policies
Risk Assessment Services
Highlights and features
- We offer customized insurance solutions tailored to specific industry risks
- Our team holds professional certifications including CPCU and CIC designations
- We provide specialized cyber liability coverage for technology threats
- Our blanket property coverage protects businesses across multiple locations
- We maintain transparent communication throughout the claims process
Associations and certifications
- Insurance Journal Top 20 Agency Partnerships
Services
Business Property Insurance
Our business property insurance protects commercial assets through tailored policies that cover monoline property, flood and earthquake risks, and contractors equipment. We help clients navigate difference in conditions policies and ocean cargo coverage to ensure comprehensive protection across manufacturing, construction, and retail sectors.
Liability Insurance
We provide comprehensive liability coverage including general liability, professional liability, and excess workers compensation. Our solutions address product liability, environmental risks, and pollution liability while helping businesses understand policy limitations and coverage gaps.
Cyber Liability Policies
Our cyber liability solutions protect against digital threats through risk assessment and coverage for data breaches. We educate clients on ransomware prevention and response while integrating cyber protection with traditional insurance policies to address evolving technology risks.
Workers Compensation
We offer state-compliant workers compensation policies that cover medical expenses and lost wages for work-related injuries. Our approach balances employer protection with employee support through return-to-work programs and claims management assistance.
Business Auto Insurance
Our business auto insurance covers company vehicles against physical damage while addressing gaps in personal vehicle usage for business purposes. We help clients navigate commercial auto policy limitations and select appropriate coverage levels.
People
Carl Schlotman, III
President, CEO, CPCU, CIC
Third-generation insurance professional with deep Cincinnati roots. Specializes in creating customized risk management solutions for business owners while maintaining a client-focused approach to cost control and coverage optimization.
Mike Schlotman
President
Brings strategic risk management expertise to Cincinnati businesses. Focuses on measurable risk reduction solutions while balancing family life in Anderson Township with community involvement through youth sports programs.
Jim Schlotman
Treasurer
Legal and financial services specialist with expertise in qualified retirement plans. Applies legal training to insurance solutions while maintaining active community involvement in College Hill neighborhood initiatives.
Jimmie Foster
Vice President, Business Development
Franchise insurance specialist with national program development experience. Active in local youth sports programs while building comprehensive risk management strategies for multi-unit operators across North America.
Paul Young
Vice President, Commercial Lines
Commercial insurance expert with cyber risk management certification. Serves as Liberty Mutual Insurance Board Regional President while providing market trend analysis to Cincinnati businesses through educational lectures at the University of Cincinnati.
Questions
What types of business insurance do you offer?
We provide business property, liability, workers compensation, auto insurance, and cyber liability coverage. Our solutions include specialized policies for commercial property, professional liability, and excess coverage needs.
How does cyber liability insurance protect my business?
Our cyber liability policies protect against data breaches and technology threats. We provide risk assessment services and educational resources about ransomware prevention while integrating digital protection with traditional insurance coverage.
What makes your business auto insurance different?
We help identify coverage gaps in standard policies, particularly regarding employee personal vehicle usage. Our solutions address commercial auto policy limitations while ensuring proper protection for company vehicles.
How can I assess my business risks?
We offer business risk assessment tools to identify potential exposures. Our process helps clients understand policy limitations and select appropriate coverage combinations for property, liability, and operational risks.
Do you offer personal insurance services?
Yes, we provide personal lines insurance including auto, homeowners, life, disability, and umbrella policies. Our personal insurance services are managed by dedicated specialists who focus on individual risk management needs.
