Business Insurance/Expert Profile

Ask A Question

Phil Pavarini


Although Iím willing to offer thoughts on topics outside of these areas, my answers are most helpful in the following Ohio Business Insurance or Ohio Surety Bonds specialties: Preferred Personal Home Insurance, Renters & Auto Insurance, Hair Salon & Stylist Insurance, Private Investigators/Security E&O/ Liability, Probate Civil Court Surety Bonds. My answers are general in nature, are only offered as an opinion, are not affiliated with my agency, carriers, or any other entity. Please verify my answers are correct with another source. I am not able to offer or provide professional advice through this website. Here are a few sample questions: Is business insurance the same in every state? What is business insurance? Iíve been in business for over 5 years, and Iíve never had it. I donít believe in insurance. Why do I need business insurance? When is more than commercial general liability coverage required? Where can I find if something specific is covered by my policy? What should I do, my agent - or carrier - isnít calling me back!?!? What is professional liability insurance? Do my previous personal insurance claims get counted against my commercial insurance accounts? Who needs hired and non owned auto liability? Why should I buy a personal workers compensation policy for domestic labor? When is best time and method to shop for insurance? How do I determine proper coverage limits? Can I make payments on business insurance, just like my auto insurance? Why is it important to make distinction between comprehensive and catastrophic coverage? What should I look for when evaluating an insurance carrier or agent?

Experience in the area

As an Army veteran with a diverse background in network administration, auto repossession, commercial truck driving, marketing, and investigations, Iíve had a diverse career thatís given me the skill set to tackle any problem. In 2000, I founded a licensed private investigations company & then bail bond agency that are still in business today. In 2006, I became frustrated at high rates for insurance coverage required as an investigator. So, I took matters into my own hands and became licensed as an insurance agent so I could offer my fellow investigators the best value coverage. Today, I insure about 1 out of every 3 Ohio private investigators. During this initial foray into the world of insurance, I found that I enjoyed helping people find good insurance values so much, I decided to do it full time. Lucky for my clients, I have a few income streams, so I don't need to sell you a policy Ė or that extra unnecessary coverage Ė to feed my family. I won't sell you something I wouldn't buy myself. I'll find you appropriate coverage at a great value. And if I'm not the best option, I'll tell you which agent or carrier to call. Have 10 minutes & want better value? If your current agent only sells one carrier, or your a business owner, or insured through broker: I CAN USUALLY FIND BETTER COVERAGE FOR LESS MONEY. Have a general question about insurance? Just ring me ... my opinions are always free of charge & without obligation. I'll treat you like (good) family! Specialties: Offering a full line of Ohio auto, homeowners, renters, travel, and business insurance, but specializing in hair salon & stylist liability, landlord and investment property, Errors & Omissions (Professional Liability) for the private investigative & security industry, & probate bonds for attorneys and legal community.


-Professional Insurance Agents of Ohio -National Association of Professional Insurance Agents -Independent Insurance Agents and Brokers of America -Ohio Association of Security & Investigation Services -Public Records Retriever Network

Publications, Editor, Published 2013 - Educational website about insuring hair salons in Ohio. -Phil Pavarini, Author, Published 2011 "A Practical Guidebook to Buying Errors & Omissions (Professional Liability) Insurance for Private Investigators & Security Guard Providers" -Phil Pavarini, Author, Published 2008 "Ohio Surety Bail Bond Agent Pre-Licensing Manual"


-Licensure as an Ohio Private Investigator Since 2003, and Ohio Property & Casualty Insurance Agent Since 2006. -Former Army M.P.

Past/Present Clients

A few of our better know clients in my businesses have been ABC Legal, Ace International Services, ACLU Foundation of Florida, AdoptHelp Law Center, AEGIS Professional Services, Aldine Independent School District, Angels in Disguise, Genesis Capital Leasing, Jones Day,, Manitowoc County, Marlin Leasing, Mississippi Public Commission, Nationwide Legal, Schottenstein Zox & Dunn Co LPA, ServiceMaster, State of California Public Utilities Commission, State of Florida Dept of Children, State of Michigan Dept of Transportation, State of Tennessee, State of Washington, Ohio Bureau of Workers Compensation, United States Department of Justice, Weltman Weinberg & Reis, Yuma Airport

Average Ratings

Recent Reviews from Users

Read More Comments

    K = Knowledgeability    C = Clarity of Response    P = Politeness


Ask A Question

Business Insurance

All Answers

Answers by Expert:

Ask Experts


©2016 All rights reserved.