Koverman Staley Dickerson Insurance

Koverman Staley Dickerson Insurance Troy. Piqua. Covington. Tipp City. New Carlisle. Greenville. Fairborn.
-Hours vary among locations- We are now one of the largest agencies located in Miami County.

At Koverman Staley Dickerson Insurance Agency, our first and primary concern is the customer we insure. Since 1875, our agency has served Southwest Ohio, offering protection to our clients in all areas of insurance. The fair and honest treatment of our customers has been a significant factor in this growth and longevity. Thus, word of mouth is our best advertisement. Our staff is composed of highl

y experienced persons who have the insurance knowledge needed to best serve our clients. All are licensed and are on a continuing education program to keep current with insurance developments in Ohio. Our goal is to be your complete insurance solution. We represent the best of the companies licensed to write insurance in the state of Ohio. All are financially rock-solid and are claim service oriented. As an Independent Insurance Agency, we represent many companies, so we are not a captive agency selling for just one company. This gives us the freedom to seek the best market for those we insure! Our products and services include: Home, Auto, Business, Commercial Bonds, Farm, Life, Health, and Individual & Group Employee Benefits including Long Term Care

Back-to-school routines are busy, but a quick safety reminder can make a meaningful difference.Whether students walk, bi...
09/01/2026

Back-to-school routines are busy, but a quick safety reminder can make a meaningful difference.

Whether students walk, bike, ride the bus, get dropped off, or drive themselves, encourage them to:

• Stay alert and keep phones put away near roads and crossings
• Use crosswalks, follow school-zone rules, and watch for traffic
• Wear a properly fitted helmet when biking
• Wait well back from the curb for the bus and never cross without the driver’s signal
• Buckle up on every trip and avoid distracted driving

Drivers play an important role, too. Please slow down in school zones, follow drop-off procedures, and always stop for loading or unloading school buses.

At Koverman Staley Dickerson Insurance, we are proud to support safer roads and stronger communities throughout Southwest Ohio. What is one school-travel safety rule your family always follows?

For their efforts to fight invasive species and promote native habitat restoration on their farm, the Dickersons receive...
08/31/2026

For their efforts to fight invasive species and promote native habitat restoration on their farm, the Dickersons received the Miami Soil & Water Conservation District’s 2026 Cooperator of the Year Award. This award recognizes landowners who demonstrate exceptional conservation stewardship and leadership!

KSD had a special guest stop by our office! Tito Ortiz, former UFC Light Heavyweight Champion, stopped by our Troy offic...
08/14/2026

KSD had a special guest stop by our office! Tito Ortiz, former UFC Light Heavyweight Champion, stopped by our Troy office to say hi.

Tito is in town to support the EGO Combat Entertainment fight tomorrow night at Hobart Arena, which starts at 6 PM! Tito & KSD will be sitting ringside!

If you want to attend the fight, tickets are available here:
https://www.egocombatentertainment.com/

Dedication to the communities we serve matters! Last night, KSD celebrated National Night Out in Piqua! If you didn't ca...
08/05/2026

Dedication to the communities we serve matters!

Last night, KSD celebrated National Night Out in Piqua! If you didn't catch us, we were giving out snow cones and cotton candy on Greene St, right by our Piqua office!

Most businesses make crucial employment-related decisions on a regular basis, and for the most part, these decisions go ...
07/28/2026

Most businesses make crucial employment-related decisions on a regular basis, and for the most part, these decisions go smoothly. But what happens when something goes wrong in the process?

That’s where employment practices liability insurance (EPLI) comes in. This key coverage can act as a safety net if a business is involved in an employment-related legal conflict. It can help with:

🔵 Defense costs - Many EPLI policies help cover legal defense expenses associated with covered claims, and in some cases, these costs may be covered regardless of the case outcome.
🔵 Settlements or judgments - Policies may help pay covered settlements or court-awarded damages, though this is subject to policy limits, exclusions, and terms.
🔵 Third-party claims (optional coverage) - Some policies include coverage for claims brought by non-employees, such as customers or vendors.

That said, not all policies are the same. Details such as exclusions, limits, and whether coverage is claims-made can significantly affect how the policy responds.

If you want to learn more about EPLI or review an existing policy, don’t hesitate to reach out to our team. We are here to help you ensure that your business is fully protected.

Have you heard of Employment Practices Liability Insurance (EPLI)? This key coverage can be crucial in workplace-related...
07/23/2026

Have you heard of Employment Practices Liability Insurance (EPLI)? This key coverage can be crucial in workplace-related claims tied to how you hire, manage, and support employees.

EPLI is designed to help protect your business against certain workplace-related claims, including wrongful termination, discrimination, harassment, retaliation, and decisions regarding hiring and promotions. These claims can be time-consuming, costly, and disruptive, regardless of a company’s size. Additionally:

✅ A single claim can lead to significant legal expenses, even if no wrongdoing is found.
✅ Leadership time and attention may be pulled away from running the business to handle a legal proceeding.
✅ Claims can involve not only employees, but also customers, vendors, or other third parties, depending on the situation.
✅ Situations can escalate quickly, especially when there are differing perspectives or limited documentation.

EPLI can help provide a financial backstop so one issue doesn’t disrupt your day-to-day operations or long-term plans.

If you would like to talk through adding EPLI coverage to your current portfolio or simply review your existing coverage, our team would be happy to connect and answer any questions you may have. Give us a call today, and we can get started.

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an ...
07/21/2026

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an accident occurs. Would the vehicle owner’s insurance apply — or would the driver’s policy take over?

In most situations, auto insurance follows the vehicle first, not the driver. That means the car's policy is usually the primary source of coverage in the event of an accident. However, that’s not always the case. Swipe for some key details about when the vehicle owner’s policy kicks in and when the driver’s policy is used.

If you’re ever unsure how your coverage applies, want to double-check your policy, or layer on additional auto coverages, we’re always happy to take a look with you. Feel free to give our team a call. We are here to be a resource for you.

Check out our new door signs….Did you know that we assist with Medicare???
07/19/2026

Check out our new door signs….Did you know that we assist with Medicare???

Summer work is in full swing, making now a smart time to review how your insurance may respond if tools or equipment are...
07/14/2026

Summer work is in full swing, making now a smart time to review how your insurance may respond if tools or equipment are damaged, stolen, or lost in the course of business. Tools and equipment coverage is designed to help protect against certain related risks that may impact your machinery and key tools. Swipe to see what insurance can cover.

Since coverage can vary based on policy type, listed equipment, limits, and endorsements, it is important to confirm what is actually insured before a loss occurs. Contact us to review your tools and equipment coverage and make sure the right protections are in place.

As we get closer to boating season, our team has been having more conversations with clients who are either getting thei...
07/08/2026

As we get closer to boating season, our team has been having more conversations with clients who are either getting their boats back in the water or are taking a fresh look at their overall liability protection on the water.

This is a good time of year to revisit boat insurance, especially since more people are getting out and enjoying the water. Swipe for an overview of common boating accidents, liability, and how boat insurance can help.

If it’s been a while since you last reviewed your policy, or if you want to get set up with your own dedicated boat policy, we are happy to help. Feel free to reach out, and we can start the conversation.

Address

1106 W Main Street
Troy, OH
45373

Opening Hours

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

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