Specialty Insurance
Specialty Insurance in Ohio
Specialty insurance helps protect risks that do not always fit neatly into a standard home, auto or business policy. Graziano & Lorince Insurance helps Ohio individuals, property owners and businesses find coverage for more specialized situations.
A Different Approach
Coverage for Risks That Need a Different Approach
Some properties, occupations and legal requirements need insurance or bonding solutions outside the traditional home and business insurance categories. Specialty coverage may be appropriate for rental properties, secondary homes, flood exposures, bonding requirements and other situations where a standard policy does not fully address the risk.
Looking for more traditional commercial protection? Explore our Business Insurance overview.
Specialty Insurance Solutions
Start with the situation you need to protect.
Each of these needs has its own underwriting questions, policy forms and eligibility requirements. Choose a coverage area to learn more or contact the agency when the right starting point is not obvious.
Landlord & Dwelling Insurance
Coverage for rental properties, non-owner-occupied homes and other income-producing dwellings.
Bonding RequirementsSurety & Fidelity Bonds
Bond solutions for contractors, license and permit requirements, court or probate situations, healthcare, fidelity and other qualifying needs. Access may include CNA Surety and other specialty bond markets where appropriate.
Seasonal PropertyVacation & Secondary Homes
Insurance solutions for second homes, seasonal residences and vacation properties that may have different occupancy or underwriting requirements than a primary residence.
Coming Soon — Contact Us Rising WaterFlood Insurance
Flood insurance is generally written separately from a standard homeowners policy and may help address covered damage caused by rising water, including certain flooding from heavy rain, overflowing waterways, storm runoff and snowmelt.
Who May Need Specialty Insurance?
Some risks need a more tailored starting point.
Specialty coverage is not automatic, and eligibility depends on the property, activity, requirement, carrier and policy terms. A focused conversation can help determine which market or application makes sense.
Why Graziano & Lorince?
Personal guidance when the need is unusual.
As an independent Ohio agency, we can help explore multiple markets, ask the right underwriting questions and explain the available next step without assuming that every carrier or policy will fit every risk.
Listen to the details
We begin with the property, business, bond requirement or other situation you are trying to address.
Explore suitable options
We consider available specialty markets and carrier requirements that may apply.
Clarify the next step
You receive practical guidance from a local agency about applications, documentation and available coverage choices.
Not Sure What Kind of Specialty Coverage You Need?
Tell us about the property, business, bond requirement or other situation you are trying to protect. We can help identify the appropriate type of coverage and discuss available options.