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Bradley Insurance Group

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Canal Winchester, OH
Bradley Insurance Group

For all of your auto, home, farm, life, business needs. We are BIG on Service!!!!

10/12/2026

HOLIDAY OFFICE CLOSURE NOTICE

Bradley Insurance Group will be closed on Monday, October 12, in observance of Columbus Day.

We hope our customers throughout Canal Wi******er and central Ohio enjoy a safe and relaxing holiday!

🏡🚗 If you need assistance while our office is closed, please leave us a voicemail or send us an email, and we’ll get back to you as soon as possible when we return.

Thank you for choosing Bradley Insurance Group for your insurance needs. We appreciate your business!

📞 614-863-9300
🌐 www.biginsured.com

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10/09/2026

🏠🚗 SHOP SMART. GET COVERED. FEEL CONFIDENT.

Insurance shouldn’t be one-size-fits-all. At Bradley Insurance Group, we’re a local independent agency serving Canal Wi******er and Central Ohio, helping you find coverage that fits your needs and budget.

Whether you’re looking for:
🏠 Homeowners Insurance
🚗 Auto Insurance
🏢 Business Insurance
🏘️ Rental Property Coverage
☂️ Personal Umbrella Insurance
…and more!

We work with 25+ insurance companies to help you compare your options—and our team is here when you need someone to talk to.

👉 Ready to see what we can do for you?
Visit www.biginsured.com today to request a quote or review your current coverage.

📞 614-863-9300

Bradley Insurance Group — Local service. More choices. Insurance that works for you.

10/08/2026

🚗 WHAT TO EXPECT WHEN FILING AN AUTO INSURANCE CLAIM

Being involved in an accident is stressful enough. Knowing what happens next can make the process a little easier.

Here’s what you can generally expect:

1️⃣ Make sure everyone is safe.

If there are injuries or an emergency, call 911. Move to a safe location if possible.

2️⃣ Document the accident.

Take photos of the vehicles, damage, road conditions, and surrounding area. Exchange information with the other driver and get witness information when possible.

3️⃣ Report the claim.

You can report your claim directly to your insurance carrier. Depending on your situation, Bradley Insurance Group can also help point you in the right direction.

4️⃣ An adjuster will be assigned.

The insurance company will typically assign a claims adjuster who will investigate the accident, review the damage, speak with involved parties, and determine coverage and liability.

5️⃣ Your vehicle will be inspected.

The carrier may arrange an inspection, request photos, or have you take the vehicle to an approved repair facility.

6️⃣ Repairs or settlement.

Once coverage and the damage have been evaluated, the insurance company will explain the next steps for repairs or, if the vehicle is a total loss, the settlement process.

💡 Tip: Don’t wait until after an accident to find out what your policy covers.

At Bradley Insurance Group, we’re here to help you understand your coverage before you need it.

📞 614-863-9300

🌐 www.biginsured.com

Bradley Insurance Group — Your local independent insurance agency serving Canal Wi******er and surrounding areas.

10/07/2026

☂️ YOUR HOME & AUTO POLICY MAY NOT BE ENOUGH!

You have homeowners and auto insurance—but what happens when a serious accident results in a lawsuit that exceeds your policy limits?

That’s where a Personal Umbrella Policy can help. ☂️

🚗 Here’s a real-world example:

You’re involved in an auto accident and are found responsible. The other driver suffers serious injuries, resulting in $600,000 in medical bills, lost wages, and other damages.

Your auto policy has a $250,000 liability limit.

Your auto insurance could pay up to that limit—but you could potentially be responsible for the remaining $350,000.

A personal umbrella policy can provide additional liability protection above your underlying auto and homeowners liability limits, subject to the policy terms and conditions.

And it’s not just auto accidents. Umbrella coverage can help protect you from certain serious liability claims involving your home, rental properties, recreational activities, and other covered situations.

💡 Think of an umbrella as an extra layer of protection for your assets and future income.

At Bradley Insurance Group, we can review your current coverage and help determine whether a personal umbrella makes sense for you.

📞 Call us at 614-863-9300

🌐 www.biginsured.com

Don’t wait until a lawsuit happens to find out you needed more liability protection.

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10/06/2026

🚗 SPECIALTY VEHICLE OWNERS: AGREED VALUE vs. ACTUAL CASH VALUE

Do you know how your vehicle would be valued if it were totaled?

For classic, collector, antique, and other specialty vehicles, the difference between Agreed Value and Actual Cash Value (ACV) can be significant.

🔹 AGREED VALUE
You and the insurance company agree on the vehicle’s value when the policy is written. If the vehicle has a covered total loss, the agreed value is generally used to determine the settlement, subject to the policy’s terms and conditions.

🔹 ACTUAL CASH VALUE (ACV)
The vehicle is generally valued based on its market value immediately before the loss, taking factors such as age, condition, mileage, and depreciation into consideration.

💡 Why does this matter?

A specialty vehicle may have a value that doesn’t fit the traditional depreciation model of a standard automobile. Restoration work, rarity, originality, modifications, and collector demand can all affect its value.

If you own a classic, collector, antique, or specialty vehicle, don’t assume your standard auto policy will value it the way you expect.

👉 Let Bradley Insurance Group review your coverage and make sure you understand how your vehicle is valued.

📞 614-863-9300
🌐 www.biginsured.com

Bradley Insurance Group
Your local independent insurance agency serving Canal Wi******er and surrounding areas.

10/02/2026

🏠⚡ Two Homeowners Coverages You May Not Know You Need

Your homeowners policy protects your home from many risks — but there are some unexpected expenses that may require optional coverage.

🔧 Equipment Breakdown Coverage

Think HVAC systems, water heaters, major appliances, electrical equipment and other household systems. Equipment breakdown coverage may help with certain sudden mechanical or electrical failures that a standard homeowners policy may not cover. (State of Ohio Insurance⁠)

🌳 Service Line Coverage

The underground lines connecting your home to utility services can be your responsibility. Depending on the endorsement, service line coverage may help with certain damage to covered underground water, sewer, electrical, gas or other service lines. (Ohio Consumers’ Counsel⁠)

These are optional coverages and availability varies by insurance company and policy.

👉 Not sure if you have them? Bradley Insurance Group can review your homeowners policy and explain what you have — and what options may be available.

📞 Call Bradley Insurance Group today at 855-755-9300 for a free homeowners insurance review!

10/01/2026

🚨 CENTRAL OHIO INSURANCE MYTHS — BUSTED! 🚨

If you live in Canal Wi******er or Central Ohio, you’ve probably heard some of these insurance myths. Let’s clear a few of them up! 👇

❌ MYTH #1: “My homeowners policy covers flooding.”
💡 FACT: Standard homeowners insurance generally does not cover flood damage. With heavy rain and flooding becoming a concern in Central Ohio, it’s important to understand the difference between water backup coverage and flood insurance.

❌ MYTH #2: “If my basement gets water after a big storm, my homeowners policy automatically covers it.”
💡 FACT: Coverage depends on how the water entered the home and what coverage you have. Water backup, sump pump overflow, and flood are not necessarily treated the same way.

❌ MYTH #3: “My home is insured for what I paid for it.”
💡 FACT: Your homeowners policy generally uses an estimated replacement cost to determine the amount needed to rebuild your home—not simply its current market value.

❌ MYTH #4: “I only need the minimum auto liability limits.”
💡 FACT: A serious accident can result in significant medical bills and property damage. Higher liability limits can provide more protection for your assets.

❌ MYTH #5: “My homeowners policy covers everything in my house.”
💡 FACT: Certain valuables—including jewelry, collectibles, and other high-value items—may have special limits. Some items may benefit from being scheduled separately.

❌ MYTH #6: “My older roof is automatically covered just like a new roof.”
💡 FACT: Roof age, condition, policy language, and the type of loss can all affect coverage. It’s important to understand your policy before a storm hits.

🏠🚗 The bottom line: Insurance policies aren’t one-size-fits-all, and Central Ohio weather, homes, vehicles, and lifestyles can create unique coverage concerns.

👉 Not sure what your policy actually covers? Let Bradley Insurance Group review your coverage and help identify potential gaps.

📍 Serving Canal Wi******er & Central Ohio
📞 614-863-9300
🌐 www.biginsured.com

Bradley Insurance Group | Independent Insurance Agency

09/30/2026

Did you know Ohio’s legal minimum auto liability limits are 25/50/25?

That means:

➡️ $25,000 bodily injury per person
➡️ $50,000 bodily injury per accident
➡️ $25,000 property damage per accident (Ohio Laws⁠)

Those are the minimum legal limits — not necessarily the amount of coverage that makes sense for every driver.

Consider what could happen in a serious accident. Medical expenses, lost wages, vehicle damage and other damages can quickly exceed the state minimum limits.

That’s why many drivers choose to discuss higher liability limits, such as 250/500, with their insurance agent.

Higher limits can provide substantially more liability protection if you’re responsible for a serious accident.

💡 Don’t automatically choose your coverage based on the lowest price. Your assets, household, vehicles and personal circumstances should all be considered when choosing liability limits.

📞Call 855-755-9300. Let Bradley Insurance Group review your auto policy and explain your options.

Free quotes & coverage reviews from an independent insurance agency serving Canal Wi******er and Central Ohio.

09/29/2026

🚨 Small Business Owners: One Employee Lawsuit Could Become a Big Expense.

You don’t need hundreds of employees to face an employment-related lawsuit. Even a small business with just a few employees can face claims involving discrimination, harassment, retaliation, or wrongful termination.

That’s where Employment Practices Liability Insurance (EPLI) can help.

💡 Here’s an example:

You terminate an employee for what you believe is a legitimate business reason. The former employee later files a lawsuit alleging they were wrongfully terminated because of discrimination.

Even if you believe you did nothing wrong, defending yourself can be expensive. Attorney fees, legal defense costs, settlements, and judgments can add up quickly.

EPLI may help cover eligible defense costs and other covered expenses, subject to the policy’s terms, conditions, exclusions, and limits.

🏢 If you own a small business, protecting your employees is important—but protecting your business from employment-related claims is important too.

👉 Let Bradley Insurance Group review your business insurance and see whether EPLI coverage makes sense for you.

📍 Serving Canal Wi******er & Central Ohio
📞 614-863-9300
🌐 www.biginsured.com

Bradley Insurance Group | Independent Insurance Agency

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09/28/2026

🏠 Own a Rental Property? Make Sure You Have the Right Policy!

A rental property isn’t necessarily covered the same way your primary residence is.

If you own a home, duplex, or other property that you rent to tenants, you may need a dwelling fire or landlord policy designed specifically for rental properties.

Depending on the policy and property, coverage may address:

🔹 The rental dwelling
🔹 Other structures
🔹 Landlord-owned furnishings or appliances
🔹 Liability protection
🔹 Loss of rental income
🔹 Additional coverage options based on how the property is used

And if you’re renting your property through a short-term rental platform, don’t assume your regular homeowners policy provides the coverage you need.

📲 Own a rental property in Central Ohio? Give Bradley Insurance Group a call at 855-755-9300 for a coverage review and quote.

Let’s make sure your investment has the right protection.

Address

11 N High Street , Suite 101
Canal Wi******er, OH
43110

Opening Hours

Monday	9am - 4:30pm
Tuesday	9am - 4:30pm
Wednesday	9am - 4:30pm
Thursday	9am - 4:30pm
Friday	9am - 4:30pm

Website

http://www.biginsured.com/

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