Innovators Insurance Group

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Innovators Insurance Group We provide exceptional insurance solutions for:

- Business/Commercial Insurance

- Home Insurance

- Car Insurance That's where we come in.

Innovators is more than just a company name, it is our approach to the way we do things here. With new technology come new challenges on how to protect it and how to protect ourselves. Your insurance should keep up with those changes and give you the peace of mind knowing that you are protected. Our goal is to be a partner for life. We will make sure that your insurance is keeping up with your company's growth.

10/16/2026

🏡 Is your home insurance really protecting you the way it should?

Not all home insurance policies are created equal! There are some important details we look at when reviewing coverage that can make a BIG difference when you need it most.

🎥 Check out this reel to learn a few things we pay close attention to!

At Innovators Insurance, we believe in helping you understand your coverage, not just having a policy in place.

Not sure where you stand? We'd love to take a look and help make sure you're properly protected. No pressure, just peace of mind!

People sometimes ask us what it means that we are an independent agency.It means we work for you, not for one insurance ...
10/14/2026

People sometimes ask us what it means that we are an independent agency.

It means we work for you, not for one insurance company.

We partner with a group of carriers, so when your life changes (a new home, a teen driver, a business on the side) we can look for the coverage that fits instead of fitting you into whatever one company offers.

It also means that if a carrier's fit changes for you at renewal, we do the work to find the right fit for your insurance situation. You do not have to start over with someone new.

September is Life Insurance Awareness Month, and with open enrollment happening at many employers around Southern Indian...
09/25/2026

September is Life Insurance Awareness Month, and with open enrollment happening at many employers around Southern Indiana, it’s a great time to ask one important question:

Is your life insurance only through work?

Employer-provided life insurance can be a great benefit, but it’s often limited and tied to your job. If you change employers, retire, or get laid off, that coverage may change or go away.

That’s why coverage through work can be a great layer of protection, but it may not be the whole picture.

This September, take a few minutes to make sure your family is truly protected. Bring us your benefits summary and we’ll help you understand what you have, what it covers, and whether there are any gaps.

No pressure. Just an honest conversation and a little peace of mind.

Not just insured. Truly protected.

This is for every homeowner in Southern Indiana who has not looked at their declarations page in a while.Take two minute...
09/17/2026

This is for every homeowner in Southern Indiana who has not looked at their declarations page in a while.

Take two minutes this weekend and look for how your roof would be settled after a loss.

Watch for terms like:
• Actual Cash Value (ACV)
• Roof settlement schedule
• Windstorm/hail settlement provisions
• Age-based roof endorsements

These can mean your roof may not be covered at full replacement cost.

For example, an aging roof that costs $18,000 to replace could potentially result in an ACV settlement of only $4,000–$5,000 after depreciation and your deductible. The cost to replace the roof hasn’t changed. Your portion has.

If you find one, don’t panic. Understand what you have, ask what options are available, and factor it into your plans for the roof.

Not sure what you’re looking at? Send us your declarations page or stop by. Our personal lines team will be happy to read through it with you!

Not just insured. Truly protected.

There’s no greater compliment than hearing that a client feels confident, cared for, and well protected.We’re proud to h...
09/16/2026

There’s no greater compliment than hearing that a client feels confident, cared for, and well protected.

We’re proud to have Kasey as part of the Innovators team and grateful for the knowledge, attention, and care she brings to our clients every day!

Insurance can be complicated, but we believe your experience with it shouldn’t be. We take the time to understand your situation, do the work behind the scenes, answer your questions, and make sure you have coverage that truly fits your needs.

Thank you for trusting Innovators Insurance. Reviews like this are a meaningful reminder of why we do what we do!

In observance of Labor Day, our office will be closed on Monday, September 7th. We will reopen on Tuesday, September 8th...
09/07/2026

In observance of Labor Day, our office will be closed on Monday, September 7th. We will reopen on Tuesday, September 8th during our normal business hours.

We hope you and your loved ones have a wonderful and safe holiday weekend! If you experience an insurance emergency while our office is closed, please contact your insurance carrier directly for immediate assistance. Otherwise, our team will be back in the office on Tuesday and ready to help.

Enjoy the holiday! 🇺🇸

🎉 Help us wish a very Happy Birthday to Luke Wenger! 🥳We’re incredibly thankful to have Luke as part of the Innovators I...
08/10/2026

🎉 Help us wish a very Happy Birthday to Luke Wenger! 🥳

We’re incredibly thankful to have Luke as part of the Innovators Insurance team. He brings a genuine heart for people, a great attitude, and a commitment to taking care of our clients and community well.

Luke, we appreciate all you bring to our team and hope you have an awesome birthday in Colorado! We’re grateful to have you as part of the Innovators family. 🎉

There is one question our personal lines team asks every client.Not about credit. Not about price. Not even about how mu...
07/07/2026

There is one question our personal lines team asks every client.

Not about credit. Not about price. Not even about how much coverage they think they need.

We simply ask:

When was the last time someone actually sat down with you and explained what your homeowners policy covers, and just as importantly, what it doesn't?

For most people, the answer is never.

The policy was put in place years ago, the premium is paid through escrow each month, and life moves on. But a homeowners policy shouldn't be something that sits in a drawer until the day you need it.

We believe protecting your home starts with understanding your coverage.

That's why we take the time to walk through your policy with you. We explain what matters, answer your questions, and identify any gaps that could leave you exposed. Sometimes the changes are minor. Sometimes they're significant. Either way, you leave with confidence because you understand what you have, why you have it, and how it would respond if the unexpected happened.

That conversation is what sets us apart.

It's part of our commitment to doing the extra effort that so many people never experience. We don't believe insurance should be a transaction. We believe it should be a relationship built on education, guidance, and protection.

Because our goal isn't simply to help you have insurance.

It's to help you know you're truly protected.

🇺🇸 Holiday Office Hours 🇺🇸In observance of Independence Day, our office will be closed on Friday, July 3rd. We will reop...
07/03/2026

🇺🇸 Holiday Office Hours 🇺🇸

In observance of Independence Day, our office will be closed on Friday, July 3rd. We will reopen on Monday, July 6th during our normal business hours.

As we celebrate America's 250th birthday, we hope you have a wonderful weekend filled with family, friends, and the traditions that make this holiday so special.

Please celebrate safely! If you experience an insurance emergency while our office is closed, please contact your insurance carrier directly for immediate assistance. Otherwise, our team will be back in the office on Monday and ready to help.

From all of us at Innovators Insurance, we wish you a safe, happy, and memorable Fourth of July! 🇺🇸🎆

𝗪𝗛𝗔𝗧 𝗘𝗫𝗔𝗖𝗧𝗟𝗬 𝗜𝗦 𝗬𝗢𝗨𝗥 𝗠𝗢𝗗 𝗦𝗖𝗢𝗥𝗘, 𝗔𝗡𝗗 𝗪𝗛𝗬 𝗦𝗛𝗢𝗨𝗟𝗗 𝗬𝗢𝗨 𝗖𝗔𝗥𝗘?Most business owners have heard the term, but many aren't sure w...
06/24/2026

𝗪𝗛𝗔𝗧 𝗘𝗫𝗔𝗖𝗧𝗟𝗬 𝗜𝗦 𝗬𝗢𝗨𝗥 𝗠𝗢𝗗 𝗦𝗖𝗢𝗥𝗘, 𝗔𝗡𝗗 𝗪𝗛𝗬 𝗦𝗛𝗢𝗨𝗟𝗗 𝗬𝗢𝗨 𝗖𝗔𝗥𝗘?

Most business owners have heard the term, but many aren't sure what it actually means or how much impact it can have on their business.

Your Experience Modification Rate (EMR) can influence:
✔ Workers' compensation costs
✔ Contract bidding opportunities
✔ Carrier appetite
✔ Overall risk profile

In this video, Daniel breaks down what a MOD Score is, what affects it, and practical strategies businesses can use to improve it over time.

At Innovators Insurance, we believe risk management isn't just about insurance policies. It's about helping business owners understand their exposures, create safer workplaces, and build long-term strategies that support growth and profitability. That's a core part of our Risk Intelligence approach.

Watch the full video and let us know if you've ever reviewed your MOD Score with your insurance advisor.

What exactly is your MOD Score, and why should you care?For many ...

Address

807 High Street
Charlestown, IN
47111

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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