We’ll thoroughly assess your business and situation to develop cost-effective solutions that fit your needs.
Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs.
Health & Benefits
We can design an employee benefits program that makes sense for your company and your employees.
About Dempsey & Siders Insurance Agency
Dempsey & Siders Insurance Agency has been proudly providing insurance services and benefits solutions to our Cincinnati neighbors and national clients since 1956. Since the beginning, our focus has been on YOU, our clients, providing the best coverage possible. We are prepared to assist you with your personal insurance, business insurance, or health & benefits coverage needs.
As an independent insurance agency, we have great relationships with many well-known insurance companies, giving you the power of choice. We will partner with you in assessing your needs and match you with an insurance carrier for your unique insurance portfolio. YOU can remain focused on your family or business because we will stay focused on YOU!
The Dempsey & Siders Difference
Focused on YOU since 1956.
- As a Dempsey client, YOU matter!
- YOU can count on us!
- At Dempsey, it’s personal, YOU will feel like family.
Experience at work for YOU.
- Over 200 years of combined agency experience.
- Top tier carriers, “A” rated or better.
- Backed by a Fortune 500 Company.
What Our Customers Are Saying
”"Tom began our process with a comprehensive analysis of our existing coverage and where he thought Dempsey & Siders could be helpful. Since we’ve made the switch, Tom has continued to be responsive and helpful at every turn. We look forward to having him as a trusted partner for years to come."Chip Workman, PresidentThe Asset Advisory Group
”"We have been very pleased with our Dempsey & Siders partnership over the past ten years. They have provided us with outstanding risk management advice as well as cost-effective insurance solutions since we began operations. We highly recommend them for consideration as a business partner."Jim Neitzke, TreasurerThe Dragonfly Foundation
”"Tom Klinedinst makes every effort to protect FMCA and has diligently worked with us to improve our insurance processes, reducing costs and claims. With his help, out contacts and safety measures at events have drastically improved. Thank you, Tom, for your attentiveness to all matters."Chris Smith, CEOFamily Motor Coach Association (FMCA)
Business Owners Policy (BOP)
As a business owner, you've worked hard to build a solid business. But what happens when the unexpected happens? Are you covered?
A business owners policy is uniquely designed to protect your most important assets, including your business, its continuation, your employees, and your way of life. Discuss the details of this coverage with your agent and ensure that you're protected.
Errors and Omissions Liability (E&O)
If you perform services for others, you are at risk of not doing the work correctly (errors) or not doing it at all (omissions). Lawsuits can arise claiming the error or omission harmed your client and caused them a financial loss.
Errors and omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions, or represents the needs of others. Ensure you have this important coverage if you perform services for clients.
Directors and Officers Liability Insurance (D&O)
Directors and officers (such as board members) are exposed to increased risk factors and are held accountable for acts that claim negligence in the performance of their duties. Any resulting lawsuits are typically expensive to defend, resulting in potentially large settlements.
Obtain comprehensive coverage to protect senior individuals of your company. Directors and officers liability insurance provides coverage for the legal costs to defend a covered lawsuit and provides the money necessary for any settlement beyond the defense costs.
What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?
A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers' compensation, business auto, as well as directors and officers liability coverage. It provides a great safety net and helps ensure your business is well protected.
Businesses are susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more.
General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.
Crime and Fidelity Bond
What will you do if one of your trusted employees is found guilty of doing something dishonest?
Crime and fidelity coverage is designed to provide coverage for employee dishonesty, forgery and depository, theft, destruction and disappearance, and more. Discuss the details of this coverage with your agent to learn more.
Could your business cause damage to the environment? If so, are you covered?
Environmental insurance provides protection if an environmental catastrophe occurs.
With technology performing many tasks in today's world, a breakdown can cause a significant financial burden, including the cost to repair the equipment, the interruption of your business, as well as any lost income and extra expenses.
Comprehensive coverage provides protection against equipment mechanical breakdown. Discuss the details of what's covered with your insurance agent.
Workers' Compensation and State Disability
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
State disability and workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you have it.
Business Auto Insurance
An auto accident can cause bodily injury or property damage to others for which you are responsible, potentially putting your business in financial jeopardy.
Business auto insurance provides coverage for vehicles owned or leased by a commercial enterprise and provides coverage for bodily injury, property damage, and other coverages, and includes both comprehensive and collision coverage.
Employment Practices Liability Insurance (EPLI)
On average, it's estimated that three out of five businesses will be sued by their employees. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.
Obtain employment practices liability insurance to protect your business and its directors, officers. and employees from alleged employment-related acts such as wrongful termination, failure to promote, discrimination, and sexual harassment.
The Internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to large and small businesses alike. But with these benefits also come challenges, including protection of privacy, data, and financial information of your customers.
Cyber liability coverage covers unauthorized access to electronic data or software within your network. It also provides coverage for spreading a virus, computer theft, extortion, or any unintentional act, mistake, error, or omission made by an employee. This coverage is quickly becoming more and more important as you embrace technology to help run your businesses.
What would you do if a fire impacted the operation of your business? Or what if a pipe leak caused a system outage or extended downtime? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.
Business income insurance compensates you for lost income if the business cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.
Your business property is a significant financial investment. What if something happens to it?
Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
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