Otto Larson at Wallace & Turner Insurance

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Otto Larson at Wallace & Turner Insurance

I am the Vice President and a Partner with Wallace & Turner Insurance.

With over two decades of experience in the insurance industry, I work with both commercial and personal lines clients.

06/17/2026

🏘️ Serving on a homeowners association board comes with more responsibility than maintaining common areas and enforcing bylaws.

Board members can face claims alleging financial mismanagement, failure to enforce restrictions or other decisions made on behalf of the association. That's why directors and officers (D&O) liability coverage is an important consideration for HOAs and condominium associations.

→ Learn how the right coverage can help protect both the association and the individuals who serve it: https://tinyurl.com/mr3r9dpr

𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀 𝗮𝗯𝗼𝘂𝘁 𝗗&𝗢 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲? Contact me at (937) 324-8492 Ext: 145 or [email protected]

06/11/2026

Commercial auto insurance coverage can be expansive depending on your policy, but there are a few exclusions to be aware of:

𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗲 𝗶𝗻𝗷𝘂𝗿𝗶𝗲𝘀 𝘄𝗵𝗶𝗹𝗲 𝗼𝗽𝗲𝗿𝗮𝘁𝗶𝗻𝗴 𝗮 𝗰𝗼𝗺𝗽𝗮𝗻𝘆 𝘃𝗲𝗵𝗶𝗰𝗹𝗲: Commercial auto insurance doesn’t cover hospital bills or lost wages for employees injured in car accidents; these are typically handled by workers’ compensation insurance.

𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗲 𝗶𝗻𝗷𝘂𝗿𝗶𝗲𝘀 𝗶𝗻 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝘃𝗲𝗵𝗶𝗰𝗹𝗲𝘀: Injuries and property damage caused by an employee on the clock but in their own personal vehicle are not covered by commercial auto insurance.

𝗜𝗻𝘁𝗲𝗻𝘁𝗶𝗼𝗻𝗮𝗹 𝗱𝗮𝗺𝗮𝗴𝗲: Injuries or damage caused by vehicles on purpose are not covered.

Whether you’re running a small fleet or a large operation, Wallace & Turner has the right insurance solutions to keep you protected. From trucks to vans, and everything in between, we understand your unique needs and have the coverage and endorsements to meet your needs.

📲 Contact me at (937) 324-8492 Ext: 145 or [email protected] for a complimentary quote.

06/01/2026

Businesses constantly evolve. Disaster plans should, too.

June 1 marks the official start of hurricane season. Remnants of these storms can bring heavy rain, damaging winds and power outages to the Ohio region.

Now is a good time to revisit your business continuity plan, test key procedures and update your strategy to reflect your organization's risks.

Preparation today can help minimize disruptions when severe weather strikes: https://tinyurl.com/2cm5azw3

05/26/2026

Will you be joining us at the 24th Annual Rocking Horse Golf Classic? We know Wallace & Turner, Inc. will be there! THANK YOU for being a Stable Sponsor!

05/20/2026

Planning a festival, fundraiser or community event this summer?

Even the most well-organized events can run into unexpected issues, such as patron injuries, cancellations or property damage.

𝘛𝘩𝘢𝘵’𝘴 𝘸𝘩𝘦𝘳𝘦 𝘴𝘱𝘦𝘤𝘪𝘢𝘭 𝘦𝘷𝘦𝘯𝘵 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘤𝘰𝘮𝘦𝘴 𝘪𝘯.

Coverage can help protect against liability and financial loss so one unexpected moment doesn’t derail the entire event.

Bottom line: plan the event, but also plan for the “what if"
→ https://tinyurl.com/53v4skfu

05/13/2026

Dental practices face more risk exposure than ever — from malpractice and regulatory scrutiny to cybersecurity and operational liability.

A few often-overlooked areas worth reviewing:

▪︎ Coverage for work performed outside your primary office or across multiple locations.

▪︎ Whether your policy properly reflects your corporate structure or incorporated entity.

▪︎ Higher-risk procedures, such as implants or oral surgery, that may require enhanced protection.

▪︎ Cyber liability and patient data exposure risks tied to practice management software and digital records.

A proactive policy review can help identify potential vulnerabilities before they become expensive problems.

If you would like to review your existing coverage or discuss whether additional protections may make sense for your practice, 𝗰𝗼𝗻𝘁𝗮𝗰𝘁 𝗺𝗲 𝗮𝘁 (𝟵𝟯𝟳) 𝟯𝟮𝟰-𝟴𝟰𝟵𝟮 𝗘𝘅𝘁: 𝟭𝟰𝟱 𝗼𝗿 𝗢𝗟𝗮𝗿𝘀𝗼𝗻 [𝗮𝘁] 𝘄𝘁𝗶𝗻𝘀.𝗰𝗼𝗺

05/08/2026

HVAC equipment 𝘸𝘪𝘭𝘭 fail at some point, and failures are most likely to occur during times of high stress when equipment is most needed.

Don’t wait to service your AC. Contact your service firm to arrange inspection of your HVAC equipment before the summer heat arrives. Get more info: https://tinyurl.com/yu539hbs

04/30/2026

Learn how to protect your employees and other drivers on the road by reducing distracted driving.

04/21/2026

Proprietors in the craft beverage industry have special insurance needs.

𝗟𝗼𝗼𝗸 𝗳𝗼𝗿 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲𝘀 𝘁𝗵𝗮𝘁 𝗮𝗱𝗱𝗿𝗲𝘀𝘀 𝗲𝘅𝗽𝗼𝘀𝘂𝗿𝗲𝘀 𝗰𝗼𝗺𝗺𝗼𝗻 𝘁𝗼 𝘁𝗵𝗲 𝗶𝗻𝗱𝘂𝘀𝘁𝗿𝘆:
- Selling price and market value clauses
- Tank collapse or leakage
- Contamination and adulteration of your product
- Temperature change

𝗩𝗮𝗹𝘂𝗮𝗯𝗹𝗲 𝗹𝗶𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲𝘀 𝗶𝗻𝗰𝗹𝘂𝗱𝗲:
+ Product recall expense
+ Liquor liability
+ Employment practices liability

Get more information about specialized coverage: https://tinyurl.com/57k8rhr5

𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀? 𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝗺𝗲 𝗮𝘁 (𝟵𝟯𝟳) 𝟯𝟮𝟰-𝟴𝟰𝟵𝟮

04/14/2026

From your roof and sprinkler systems to fire protection and walkways, spring is an ideal time to inspect and address any issues with your commercial building.

A simple seasonal checklist can go a long way in protecting your business.

→ 𝐏𝐫𝐞𝐩𝐚𝐫𝐞 𝐲𝐨𝐮𝐫 𝐛𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐟𝐨𝐫 𝐬𝐩𝐫𝐢𝐧𝐠: https://tinyurl.com/5xe9wvw4

Address

Kissell Center 30 Warder Street, Suite 200
Springfield, OH
45504

Telephone

+19373248492

Website

http://www.WTins.com/

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