Commercial Insurance for Cleveland Contractors and Landlords
Real person, real answers — over 8 years in insurance. Based in Broadview Heights, serving all of Northeast Ohio. Licensed in Ohio, Pennsylvania & Indiana.
Insurance Services We Provide
Commercial Property Insurance
Your building, equipment, and inventory. Underinsured buildings are a common problem when we review an existing policy — values often get set once and never revisited.
General Liability Insurance
A foundation of many commercial programs: third-party injury and property damage. The exclusions matter as much as the coverage, and we walk you through both.
Commercial Auto Insurance
If an employee drives for work, a personal auto policy may limit or exclude the claim. Ohio minimum limits are often too low for a serious collision.
Inland Marine and Tools Coverage
Property coverage on a building policy may not follow your tools and equipment to the job site. Inland marine coverage is designed for that gap, and tools in transit are a common source of contractor losses.
COIs and Bonds for Contractors
Certificates issued same day, with the limits and endorsements the GC or the city asked for. Paperwork problems can cost contractors jobs.
Contractor Business Owners Policies
Liability and property packaged together. A solid starting point for smaller operations — but never a substitute for reading what’s excluded.
Landlord & Real Estate Investor Insurance
A homeowners policy typically isn’t written for a rental property. We write lessors risk for everything from one single-family to a growing portfolio, and tell you what to require from tenants.
Umbrella & Excess Liability
When a judgment exceeds your primary limits, this can keep the rest from coming out of the business. More relevant than many owners expect.
Commercial Insurance for Northeast Ohio Businesses
UPIC Commercial is a commercial insurance agency in Broadview Heights, operating as a sub-agency of United Professional Insurance Company and writing commercial lines only — no homeowners, no personal auto. Every client is a business owner, which means we’re not bending a personal lines product around a commercial risk.
Most of our work falls into two camps. Trade contractors — electricians, plumbers, HVAC techs, roofers, and general contractors — who need coverage that holds up across job sites and certificates that go out the same day they’re requested. And landlords and real estate investors who’ve learned that a homeowners policy usually isn’t built for a rental property.
We also maintain contractor registration and bond guides for cities across Cuyahoga, Summit, and Medina counties, because the paperwork that gets a packet rejected is rarely spelled out in the ordinance.
Licensed in Ohio, Pennsylvania, and Indiana. Based in Broadview Heights, serving Cleveland, Akron, and all of Northeast Ohio.
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