The Personal Lines Portfolio includes policies designed to cover automobile, home, condominium, rental, and excess personal liability exposures.

The Automobile Program:
Offers three competitively priced auto programs designed to meet most customers' personal automobile insurance needs.

Personal Auto Enhancement:
Offers extra protection with broader coverage and extra features.

The Homeowners Program:
Offers three competitively priced homeowners programs. Western Reserve Group also offers coverage for condominium owners and renters.

The Personal Umbrella Program:
The Umbrella Policy is designed to provide additional liability coverage over your personal auto and homeowners policies.

The Dwelling Fire Program:
Packages property and optional liability coverages for eligible non-owner occupied dwellings.

The Inland Marine Program:
Tailors comprehensive coverage for many valuables such as jewelry, furs, boats, & fine arts. Most coverage may be conveniently added to the homeowners program.

Western Reserve Group offers commercial products to satisfy the specific needs of many different types of businesses.

Artisan Contractors
Provides tailored coverages to satisfy the specific needs of Artisan Contractors.

Businessowners Policy
A comprehensive package policy designed for small to medium size offices, apartments, condominium associations (residential and office), retail stores, wholesalers, restaurants (limited cooking), and service and processing businesses (subject to eligibility guidelines).

Commercial Auto
Coverage is available for most commercial vehicles used for business.

Commercial Liability
Provides broadened coverage provided by the standard Commercial General Liability policy.

Commercial Property
Provides superior protection for your business' buildings, structures, equipment, supplies and inventory.

Commercial Package
Property, liability, crime, fidelity, and inland marine coverages can be selected to meet the needs of a business.

Professional Liability
Professional coverages are available for barbers and beauticians, cemeteries, clergy, druggist, funeral directors, optical and hearing aid establishments, and veterinarians.

Umbrella Liability
Provides higher liability limits and broadened coverage.

Workers Compensation
Available to meet the statutory requirements of the state.

Equipment Breakdown
Due to sophisticated and rapidly changing technology, virtually all of today's business equipment contains sensitive and fragile components that are very susceptible to damage.

There are other coverages available to meet the specific needs of various types of businesses.

Western Reserve Group, farm insurance specialists since 1906, offers a competitively priced Farmowners product with the flexibility to meet the needs of each individual farm owner.

Our tiered program offers a wide range of coverage options for your farm dwelling, farm personal property and outbuildings.

Optional coverages are available allowing the flexibilty to tailor coverage for specific needs.