Business Details
50+ Years
experience
Your Trusted Insurance Partner in Westerville, OH
We are an independent insurance agency based in Westerville, Ohio, serving clients with personalized solutions since 1975. Our team of licensed professionals brings over 150 years of combined expertise to help individuals and businesses secure tailored coverage. We prioritize understanding client needs to recommend policies from top-rated carriers, ensuring comprehensive protection. Our commitment extends beyond policy saleswe advocate for clients during claims processes and maintain rigorous industry certifications. With a focus on long-term relationships, we combine local knowledge with national resources to deliver trusted insurance services. 
Services
Home Insurance
Auto Insurance
Business Insurance
Cyber Liability Insurance
Boat/RV Insurance
Solar Energy Insurance
Umbrella Protection
Pet Insurance
Surety Bonds
Life & Health Insurance
Details
- Year established: 1975
Highlights and features
- 50+ years of local insurance expertise and industry leadership
- Personalized policy recommendations from top-rated carriers
- Advocacy during claims processes for fair resolutions
- Rigorous annual education to maintain certification standards
- Direct access to licensed agents with no automated systems
Associations and certifications
- Certified Insurance Counselor (C.I.C.)
- Trusted Choice
What people say
Excellent customer service
Personal effort to resolve issues
No automated prompts
Real licensed agents available
Proactive claims support
Services
Home Insurance
Protect your home with customized policies covering structural damage, personal belongings, and liability risks. Our agents evaluate individual needs to recommend coverage limits and endorsements from top-rated carriers, ensuring financial security against unexpected events like fires, storms, or accidents.
Business Insurance
Safeguard your business with tailored commercial insurance packages. We offer general liability, property coverage, and specialized policies for unique risks. Our expertise includes cyber liability and surety bonds, helping Ohio businesses mitigate operational risks while complying with legal requirements and industry standards.
Cyber Liability Insurance
Address modern digital risks with cyber liability coverage for data breaches and cyberattacks. Our policies cover fraud loss recovery, legal expenses, and business interruption costs. Designed for businesses handling sensitive client data, this protection includes response planning and post-incident support from trusted industry partners.
Boat/RV Insurance
Secure specialized coverage for boats, campers, and RVs with policies protecting against water damage, collisions, and theft. Our agents understand recreational vehicle risks, offering tailored options for storage, usage patterns, and equipment value to ensure worry-free adventures on land or water.
Pet Insurance
Provide medical protection for pets with customizable insurance plans covering accidents, illnesses, and preventive care. We offer instant quotes for dog and cat owners, ensuring coverage for unexpected veterinary expenses while helping clients choose policies that match their pets' breed-specific needs and lifestyle risks.
People
John C. Kalmbaugh
President/Certified Insurance Counselor
John Kalmbaugh, a Certified Insurance Counselor with over 50 years of experience, leads the agency. A graduate of The Ohio State University and member of Trusted Choice, he specializes in comprehensive insurance solutions and has received industry recognition for excellence.
Ian Kalmbaugh
Marketing and Communications
Ian Kalmbaugh combines marketing expertise with insurance knowledge in Santa Monica, California. He develops communication strategies while maintaining industry licensing, ensuring clients receive both innovative and technically sound insurance solutions tailored to their needs.
Kerry Kalmbaugh
Senior Associate, Property and Casualty
Kerry Kalmbaugh provides expert property and casualty insurance guidance with licensed professional experience. Focused on policy education, she helps clients understand complex coverage options while delivering high-value solutions that align with their specific risk management requirements.
Lisa Graham
Customer Experience Specialist
Lisa Graham brings over 25 years of insurance industry experience to client service. With expertise in personal lines from both agency and corporate perspectives, she ensures quality support for policyholders, specializing in addressing complex coverage questions and streamlining claims assistance.
Ludo Kalmbaugh
Customer Fun Officer
Ludo Kalmbaugh adds energetic client engagement to the team. While maintaining a friendly office atmosphere with his enthusiasm for squirrels, he supports customer interactions with a positive approach, ensuring clients feel welcomed and valued during every communication.
Questions
What makes Kalmbaugh Insurance different from online providers?
We offer personalized service with licensed agents who understand local risks, advocate during claims, and provide tailored advice rather than automated systems.
Do you offer coverage for unique properties like solar-powered homes?
Yes, we provide specialized policies for solar energy systems and other unique property features through partnerships with top-rated insurance carriers.
How does your claims advocacy benefit policyholders?
Our agents actively support clients during claims, ensuring fair treatment and proper compensation from insurance companies based on policy terms.
Can I get insurance for recreational vehicles?
We offer specialized coverage for boats, campers, and RVs, addressing unique risks associated with recreational vehicle ownership and usage patterns.
What areas do you serve?
Primarily Westerville, Ohio, with services available to clients across the state through our licensed insurance professionals.
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