Steven Hils Insurance

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Neighborhood: Central Business District
AKA: Hils, Steve
Categories: Insurance, Auto Insurance, Business & Commercial Insurance, Flood Insurance, Health Insurance, Homeowners Insurance, Liability & Malpractice Insurance, Life Insurance, Long Term Care Insurance, Property & Casualty Insurance, Workers Compensation & Disability Insurance

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Phone: (513) 621-2020

Address: 120 E 4th St, Cincinnati, OH 45202

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Auto Insurance
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Home Insurance
Some banks require you to buy homeowners insurance to cover the amount of your mortgage. If the limit of your insurance policy is based on your mortgage, make sure it’s enough to cover the cost of rebuilding. (If your mortgage is paid off, don’t cancel your homeowners policy. Homeowners insurance protects your investment in your home.)
Condo Insurance

Life Insurance
Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations...
Health Insurance
Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance.
Disability Insurance
We offer disability insurance which will provide replacement income if a policy holder can no longer work and earn and income.
Long Term Care
The proceeds of many permanent life insurance policies can be used to ease the financial burden of catastrophic illness, terminal illness or long-term care. These accelerated benefits may be offered as part of the basic policy or as a rider to an existing policy.

Business Insurance
Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in one package. (They also sell coverages separately.) One package purchased by small and mid-sized businesses is the business owners policy (BOP).
Workers Compensation Insurance
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they’re hurt on the workplace premises or elsewhere, or in auto aaccidents while on business. It also covers work-related illnesses.
Commercial Liability Insurance
Professional Liability Insurance
BOP’s do not cover professional liability, auto insurance, worker’s compensation or health and disability insurance. You’ll need separate insurance policies to cover professional services, vehicles and your employees.

Liability Insurance
Personal umbrella insurance provides coverage beyond your homeowner or auto policy by adding an extra layer of liability coverage. Coverage is provided in amounts of $1,000,000 increments. Umbrella insurance also covers situations that may not be covered by another policy such as slander or libel.

Flood Insurance
Flood insurance covers losses to your property caused by flooding. From structural and mechanical damage to flood debris clean-up and floor surfaces (like carpeting and tile), your investment is protected by a flood insurance policy, something that your homeowners policy does not offer.
Earthquake Insurance
If you live in an area prone to these disasters, you will need to purchase separate flood and earthquake policies. Flood insurance is available through FEMA’s National Flood Insurance Program ( http://www.fema.gov/nfip/ ). Both flood and earthquake insurance can be purchased through your insurance agent.

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