Specialty Insurance in Ohio
Specialty Insurance in Ohio helps protect unique risks that don’t always fit into a standard home or business policy. At Graziano & Lorince Insurance, we provide specialty solutions across Ohio for landlords, business owners, professionals, and individuals who need coverage beyond the basics.
If you’re also looking for traditional commercial coverage, visit our Business Insurance Overview.
What Is Specialty Insurance?
Specialty insurance is designed for non-standard situations, unique property exposures, and coverage requirements tied to licensing, court orders, or compliance rules. If your situation doesn’t fit neatly into a standard policy, specialty coverage may be the right solution.
Specialty Insurance Solutions We Offer
Landlord & Dwelling Insurance
Coverage for rental properties, non-owner occupied homes, and income-producing dwellings across Ohio.
Surety & Fidelity Bonds
Contractor, license & permit, healthcare, court, and fidelity bonds issued through CNA Surety.
Vacation & Secondary Homes
Insurance solutions for seasonal and secondary homes that may not fit a standard homeowners policy.
(Coming soon)
Flood Insurance
Flood insurance is a separate policy designed to cover damage caused by rising water, including water from heavy rainfall, overflowing rivers or creeks, storm runoff, and snowmelt.
Landlord & Dwelling Insurance
Coverage for rental properties and non-owner-occupied dwellings — including single-family rentals, multi-unit properties, and properties under renovation that will be rented.
Learn more about Landlord Insurance
Surety & Fidelity Bonds
We provide a full range of Surety Bonds in Ohio through CNA Surety, including contractor bonds, license & permit bonds, healthcare bonds, fidelity bonds, and court/probate bonds.
Vacation & Secondary Homes
Insurance solutions for second homes, seasonal properties, and vacation residences that may not qualify for standard homeowners coverage depending on occupancy and location.
View Vacation Home Insurance (Coming soon)
Who Needs Specialty Insurance?
You may need specialty insurance if you:
- Own rental or income-producing property
- Are required to carry a bond for licensing, court, or compliance
- Own a second or seasonal home
- Have a risk that standard carriers decline
- Need coverage tailored to a specific situation
Why Choose Graziano & Lorince Insurance?
- Local expertise serving Ohio since 1964
- Access to specialty markets and CNA Surety bond solutions
- Clear guidance with fast turnaround when possible
- Personal service from a trusted independent agency
Request Specialty Insurance Help
Not sure which specialty policy you need? We’ll help you identify the right solution and the next steps.
Contact Us to discuss your situation, or start here to begin the process:
Graziano & Lorince Insurance — specialty insurance solutions across Ohio, backed by local service since 1964.
