Central Insurance Agency
The insurance expert for your specialty business.
Central Insurance Agency is a specialty nationwide commercial insurance firm focused on high-risk and highly regulated industries. We work with security guard companies, contractors, fire suppression businesses, and other service-based firms that require carefully structured insurance programs built for real-world exposure.
Our mission is simple: provide clarity, compliance, and long-term cost control through properly designed coverage.
Our Specialty Focus
Central Insurance Agency serves as a nationwide broker and trusted advisor for companies in typically hard-to-insure industries, primarily in the following business sectors.
Our decades of industry expertise start with the best team in the business – true industry experts who have a unique understanding of the risks a company faces and how impactful the wrong coverage can be on the bottom line.
The CIA Approach
That’s why CIA takes a 360-degree view of your business and your insurance needs through an unwavering commitment to:
A focus on protecting growth – In tandem with our expertise, we look to protect your ability to pursue new business by formulating coverage that supports, not thwarts, business expansion. We know that the overriding issue for a specialty business is having insurance coverage that properly supports growth while protecting your company’s assets, products, services, and employees.
Expert audit counseling –We can advise you on implementing operations and insurance strategies that can help mitigate the risk of a general liability or workers’ compensation audit. And, should an audit occur, we can properly advise you throughout the process.
The CIA line-by-line policy review and assessment – Conducting an in-depth policy review is standard practice for us, and recommendations for coverage are made only after a thorough review takes place.
Expediting certificates of insurance – These often-needed documents are provided in minutes, not days.
The best rates possible – Our long-established relationships with carriers throughout the country allow us to formulate the right coverage for you at a competitive rate.
Built for Compliance & Contract Requirements
Many of the industries we serve operate under strict regulatory oversight and contract-driven insurance mandates.
Insurance compliance often intersects with regulatory standards published by organizations such as the National Association of Insurance Commissioners (NAIC) and classification guidance from the National Council on Compensation Insurance (NCCI).
Proper policy structure ensures that coverage aligns not only with underwriting requirements but also with contractual obligations and state-level compliance standards.
Helping Companies Previously Declined for Coverage
Central Insurance Agency regularly works with businesses that have struggled to secure insurance due to prior claims, classification issues, or complex operational exposures.
Companies expanding into new markets, bidding on larger contracts, or responding to RFPs are often told they are “uninsurable” or unable to meet required limits. In many cases, the issue is not insurability — it is improper policy structure, incomplete underwriting presentation, or limited market access.
Our team works directly with specialized carriers to re-evaluate risk, restructure coverage where possible, and identify solutions that align with both operational realities and contract requirements. The goal is not simply to obtain a policy, but to position the company for sustainable growth and future bidding opportunities.
Personal Insurance Services for Business Owners
In addition to commercial coverage, Central Insurance Agency offers personal insurance solutions for business owners and their families. As a convenience to our clients, we provide access to home insurance, auto insurance, umbrella liability policies, life insurance, and identity protection coverage.
Our approach to personal insurance reflects the same philosophy we apply to commercial programs — structured coverage designed to balance protection, risk exposure, and long-term cost control. Whether safeguarding personal assets or coordinating coverage between business and home exposures, our team works to ensure policies align with your overall risk profile.
Our company has been a customer of CIA Insurance for several years for our business insurance needs. They have been reliable, easy to contact and most of all have been able to provide insurance on short notice. If you are looking for a reputable, efficient and friendly company to deal with, look no further.
– Lori McDaniel, Logistics Support Personnel, Brawnstone Security, Canton, OH