Small Business Owners Partner with Kalmbaugh Insurance.

iankalmbaugh
Jan 21
2 min read

Updated: Jan 23

Small business owners work hard, take risks and wear every hat in the company. Your insurance partner should make life easier, not more complicated. That’s where Kalmbaugh Insurance Agency excels. We help protect what you’ve built while making coverage simple, strategic, and stress-free.

John Kalmbaugh, CIC and Owner of Kalmbaugh Insurance Agency.

“In 2026, we’re celebrating 50 years of insurance partnerships with local small businesses. We work closely with contractors, restaurants, retailers, professional offices, medical practices, and small long-term rental property owners in Westerville and surrounding. We’ve seen it all!” - John Kalmbaugh, CIC and Owner of Kalmbaugh Insurance Agency

Business owners who value expertise and personal service will find a true advocate here, not just another policy provider. As an independent agency, Kalmbaugh Insurance shops coverage on your behalf, uncovers savings opportunities, and advocates for you when it matters the most-especially at claim time.

Small businesses face unique risks every day- property damage, liability exposures, employee-related concerns, and operational disruptions. That’s why our agency offers complete small business insurance solutions including:

Property and Liability
Commercial Auto
Employment Practices Liability
Surety Bonds
Umbrella Protection
And much, much more

For many businesses, this also means better protection for income, equipment, professional services exposure, subcontractor risks and flexible limits that can grow with you.

Small businesses who do any of their work on the internet, from emails to sales, face a fast-growing digital threat environment. Cyber incidents such as ransomware, data breaches, phishing scams, and payment fraud can interrupt operations and be financially devastating. Kalmbaugh Insurance helps small businesses secure cyber liability coverages, dedicated support for breach response and recovery, and available limits up to $5 million.

Most importantly, when something happens, you get responsive, caring local support from a knowledgeable partner who truly understands you. That relationship matters. If you want clarity, confidence, and a trusted advocate committed to protecting your future, Kalmbaugh Insurance Agency is the smart choice for small business coverage. Helping you safeguard today while supporting tomorrow. We’ve got your back!