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Spitzer Insurance Agency
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    We offer insurance for individuals and families, including customized coverage, to fit your lifestyle.
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    We provide small businesses with a variety of different coverage & policy options that fit their needs.
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Spitzer Insurance Agency
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  • For Individuals
    Personal Insurance
    We offer insurance for individuals and families, including customized coverage, to fit your lifestyle.
    View All
    Personal Insurance QuotePersonal Insurance Quote
    Homeowners
    Auto
    Life Insurance
    High Net Worth
    Umbrella
    Flood
    Boats / Watercraft
    Classic & Exotic Cars
    Motorcycle
    RV/Trailer
    Powersports
    Earthquake
    Jewelry
    Landlords
    Condo
    Course of Construction
    Renters
    • Autos, Cars & Trucks
    • Homeowners
    • High Net Worth
    • Life Insurance
    • Umbrella
    • Motorcycle
    • Boat
    • Flood
    • Golf Cart
  • For Businesses
    Business Insurance
    We provide small businesses with a variety of different coverage & policy options that fit their needs.
    View All
    Business Insurance QuoteBusiness Insurance Quote
    Builders Risk
    Business Interruption
    Business Owners Policy
    Commercial Auto
    Commercial Property
    Commercial Trucking
    Contractor’s Tools and Equipment
    Cyber Liability
    Directors & Officers
    Employment Practices Liability
    Equipment Breakdown
    Excess / Umbrella
    Garage Keepers Insurance
    General Liability
    Hired & Non-Owned Auto
    Inland Marine
    Liquor Liability
    Package Policy
    Product Liability
    Professional Liability E&O
    Real Estate Investments
    Special Events
    Surety Bonds
    Workers Compensation
    • General Liability
    • Workers’ Compensation
    • Commercial Auto
    • Commercial Property
    • Cyber Liability
    • Professional Liability
    • Employment Practices Liability
    • Business Owners Policy
  • About
    • About Us
    • Meet The Owner
    • Meet The Team
    • Testimonials
    • Blog
    • FAQs
    • Refer Friends & Family
    • Join Our Team
  • Locations
    • Dayton, Ohio Office
    • Fairfield, Ohio Office
  • Contact
937-280-5777
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FAQs

  1. Home
  2. FAQs
  • What does Garage Liability Insurance not cover?

    Garage liability insurance does not cover damage to the vehicles that are in your care, custody, or control. For such coverage, you would need a garagekeepers insurance policy, which ...

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  • Can I customize my Garage Keepers Insurance policy?

    Yes, many insurance providers offer customizable policies to fit the unique needs of your business. You can choose coverage limits, add endorsements, and tailor the policy to address specific ...

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  • How are claims handled under Garage Keepers Insurance?

    Claims under Garage Keepers Insurance typically involve reporting the incident to your insurance provider, who will then investigate the claim, assess the damages, and provide compensation based on the ...

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  • Do I need Garage Keepers Insurance if I already have General Liability Insurance?

    Yes, General Liability Insurance covers bodily injury and property damage caused by your operations but does not cover damage to customer vehicles in your care. Garage Keepers Insurance specifically ...

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  • What does Garage Keepers Insurance not cover?

    Garage Keepers Insurance does not cover damages resulting from defective workmanship, parts, or materials used in repairs. For such issues, a business would need to have Garage Liability Insurance, ...

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  • Can Business Interruption Insurance be customized for different industries?

    Absolutely. Business Interruption Insurance can be tailored to meet the unique needs of different industries, ensuring that the specific risks and operational requirements of your business are adequately covered. ...

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  • Does Business Interruption Insurance cover utilities and rent?

    Yes, Business Interruption Insurance covers ongoing operating expenses such as utilities, rent, and payroll, helping your business stay afloat during the interruption period.

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  • Is Business Interruption Insurance included in standard property insurance?

    No, Business Interruption Insurance is usually an add-on or rider to a standard property insurance policy. It must be specifically requested and included in your coverage plan. ...

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  • How long does Business Interruption Insurance cover lost income?

    The coverage period, known as the indemnity period, usually lasts until your business resumes normal operations, but it is subject to a maximum time limit specified in your policy. ...

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  • What does Business Interruption Insurance not cover?

    Business Interruption Insurance typically does not cover losses due to pandemics or infectious disease outbreaks. For such coverage, you might need a specialized policy or endorsement. ...

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Spitzer Insurance Agency
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Our Office Locations

Dayton, Ohio

8529 N Dixie Dr Ste 100
Dayton, Ohio 45414
Phone: 937-280-5777

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Fairfield, Ohio

526 Nilles Road
Fairfield, Ohio 45014
Phone: 937-280-5777

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Proudly offering insurance services, home insurance, auto insurance, life insurance, and commercial insurance for businesses in all of Ohio, including Akron, Cincinnati, Cleveland Heights, Cleveland, Columbus, Cuyahoga Falls, Dayton, Elyria, Fairfield, Findlay, Gahanna, Hilliard, Huber Heights, Kettering, Lorain, reyboldsburg, Strongsville, Toledo, Warren, Westerville, Youngstown, and the surrounding areas. Also servicing Indiana, including Bloomington, Carmel, Elkhart, Evensville, Fishers, Fort Wayne, Gary, Hammond, Indianapolis, Kokomo, Noblesville, South Bend, Terre Haute, and the surrounding areas. View all service areas.

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DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Read your policy or consult with your agent for details. Your eligibility for particular products and services is subject to final underwriting and acceptance by the insurance company providing such products or services.

This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Be sure to read the policy, including all endorsements, or prospectus, if applicable.

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