Disability insurance companies in Ohio provide essential financial support for individuals facing unforeseen circumstances that hinder their ability to work. This industry includes a mix of small to mid-sized agencies and larger corporations, focusing on a range of products like long-term and short-term disability insurance. Recent trends show a growing demand for innovative solutions among both employers and employees. Companies are increasingly using technology to enhance customer experience and streamline services. As more people recognize the importance of financial protection, this sector is likely to see continued evolution, with personalized plans and educational resources becoming key offerings.


The companies featured in this list vary in size from small agencies to larger firms, with headquarters primarily located in cities like Cincinnati, Columbus, and Dayton. Founded between 1921 and 2012, they specialize in disability insurance among other products. With dedicated teams ranging from under 10 to over 200 employees, these businesses cater to both individual consumers and organizations, showcasing their industry adaptability. From family-owned agencies to corporate entities, each plays a unique role in the state's insurance market, serving Ohio's specific needs with customized solutions.


Continue reading to discover the top disability insurance companies in Ohio.


Top 22 Disability Insurance Companies in Ohio


1. Diversified Brokerage Specialists, Inc.

  • Website: dbs50.com
  • Ownership type: Private
  • Headquarters: Blue Ash, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1946
  • Headcount: 11-50
  • LinkedIn: diversified-brokage-specialist

Diversified Brokerage Specialists, Inc. is an insurance brokerage based in Blue Ash, Ohio, founded in 1946. The company specializes in a variety of insurance products, including life, disability, long-term care, and annuities. With a dedicated team of approximately 20 employees, they serve both individual consumers and businesses, aiming to provide essential financial protection and planning services. Their focus on disability insurance is particularly noteworthy, as they offer tools such as the Group LTD Audit and the Income Protection Academy, which are designed to educate and assist clients in understanding their options. The firm also provides resources for brokers, including training videos and sales tools, to enhance their ability to serve clients effectively. This commitment to support and education in the disability insurance sector underscores their relevance and active participation in the industry.


2. American Insurnet Agency


American Insurnet Agency, Inc., established in 1993 and based in Cincinnati, Ohio, operates as an insurance brokerage specializing in a variety of insurance products, with a significant emphasis on disability insurance. The company serves brokers and employers, providing essential tools and support to facilitate comprehensive insurance solutions. With nearly 50 years of combined industry experience among its staff, American Insurnet Agency prides itself on its product knowledge and commitment to quality service. They represent many of the top individual and group disability carriers, enabling them to offer tailored solutions even for clients who may face challenges in obtaining coverage due to health conditions. Their portfolio also includes life, long-term care, and critical illness insurance, showcasing their broad expertise in the insurance market. American Insurnet Agency positions itself as a one-stop brokerage, dedicated to simplifying the insurance process for its clients and partners.


3. Beam Benefits

  • Website: beambenefits.com
  • Ownership type: Venture Capital
  • Headquarters: Columbus, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: $40.0M, October 2024
  • Founded year: 2012
  • Headcount: 201-500
  • LinkedIn: beam-technologies

Beam Benefits, originally known as Beam Technologies Inc., is an insurance provider based in Columbus, Ohio. Founded in 2012, the company specializes in employee benefits, offering a variety of insurance products that include dental, vision, life, and notably, disability insurance. Beam caters to brokers and employers looking to provide comprehensive benefits packages to their employees, as well as individual members accessing their plans. The company has recently secured $40 million in funding, reflecting its growth trajectory and commitment to enhancing its offerings. Beam's innovative approach integrates technology to simplify the benefits experience, making it easier for clients to manage their insurance needs. This focus on modernization positions Beam as a relevant player in the employee benefits industry.


4. The Uhl Agency

  • Website: uhlagency.com
  • Ownership type: Private
  • Headquarters: Dayton, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1958
  • Headcount: 11-50
  • LinkedIn: the-uhl-agency

The Uhl Agency, based in Dayton, Ohio, is an independent insurance agency that has been serving clients since its founding in 1958. With a team of 13 dedicated professionals, 11 of whom hold insurance licenses, the agency prides itself on its extensive experience and commitment to client education. The Uhl Agency offers a wide array of insurance solutions, including personal and business insurance, life, health, and disability insurance. Their approach emphasizes risk management, helping clients identify and address potential risks effectively. The agency has established partnerships with top insurance companies, ensuring they can provide comprehensive coverage options. Their mission is to deliver world-class insurance programs while adhering to core values of integrity, respect, teamwork, and community involvement. The Uhl Agency has built a strong reputation in the greater Dayton area and is recognized for its commitment to client satisfaction and community engagement.


5. Lang Financial Group, Inc.

  • Website: langgroup.com
  • Ownership type: Private
  • Headquarters: Cincinnati, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1974
  • Headcount: 11-50
  • LinkedIn: lang-financial-group

Lang Financial Group, Inc., based in Cincinnati, Ohio, has been active in the insurance and consulting industry since its founding in 1974. With a team of approximately 37 employees, the firm specializes in providing a wide array of employee benefits and individual insurance solutions. Their offerings include medical, life, dental, long-term care, and notably, disability insurance. The company prides itself on its ability to customize plans to meet the specific needs of businesses and individuals, ensuring that clients receive tailored solutions that align with their goals and budgets. Over the years, Lang Financial Group has partnered with numerous companies, helping them navigate the complexities of employee benefits and insurance options. Their approach emphasizes education and support, aiming to empower clients to make informed decisions about their insurance needs. The firm has not reported any funding, indicating a stable, self-sustaining business model.


6. Hummel Group

  • Website: hummelgrp.com
  • Ownership type: Corporate
  • Headquarters: Berlin, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: $15.2M, April 2025
  • Founded year: 1957
  • Headcount: 51-200
  • LinkedIn: hummel-group

Hummel Group, based in Berlin, Ohio, has been a player in the insurance and financial services sector since its inception in 1957. Originally founded as Hummel Insurance Agency, the company has evolved into a comprehensive insurance agency that provides personal and commercial insurance, employee benefits, and wealth management services. With a workforce of approximately 116 employees, Hummel Group serves individuals, businesses, and organizations, helping them navigate risks and secure their financial futures. Their offerings include not only disability insurance but also life insurance, long-term care, and Medicare solutions. The company has expanded its reach through strategic acquisitions and mergers, establishing a presence across multiple states. Hummel Group's commitment to client service and risk management is evident in their approach, which emphasizes tailored solutions to meet the unique needs of their clients.


7. Hosket Ulen Insurance Solutions


Hosket Ulen Insurance Solutions is an independent insurance agency based in Dublin, Ohio, with a history dating back to 1968. The agency was formed in 2009 when the Hosket family partnered with John Ulen, who had previously owned Ulen Insurance. With a team of approximately 35 employees, the agency serves clients across Ohio and beyond, offering a comprehensive suite of insurance products that includes personal, business, and employee benefits insurance. Their employee benefits section features group dental, vision, and disability insurance, among other offerings. The agency prides itself on its commitment to customer service and community involvement, aiming to protect clients' assets and manage risks effectively. They are also affiliated with the Keystone Insurers Group, which enhances their capabilities as a national broker while maintaining a local presence. Hosket Ulen Insurance Solutions has not reported any funding, indicating they operate as a privately held entity without external investment.


8. Gem-Young Insurance & Wealth Advisors


Gem-Young Insurance & Wealth Advisors, established in 1947, is a family-owned insurance agency based in Canfield, Ohio. With a team of 16 employees, the agency has built a reputation for providing a range of personal and business insurance products, alongside financial planning services. They cater to both individual consumers and businesses, helping clients manage risks and secure their financial futures. Their offerings include auto, home, and life insurance, as well as disability insurance and long-term care solutions. The agency prides itself on a client-centered approach, emphasizing the importance of understanding unique risks and providing tailored coverage. They are licensed to operate in multiple states, including Ohio, Florida, and Pennsylvania, and have been recognized for their commitment to quality service and community involvement.


9. Berry Insurance Group, Inc.


Berry Insurance Group, Inc., founded in 2002 and based in Terrace Park, Ohio, is a private insurance agency that provides a wide array of insurance products. The company serves individuals, families, and businesses, focusing on personalized service to build lasting client relationships. Their offerings include personal insurance, business insurance, employee benefits, and life insurance. Berry Insurance Group has grown significantly since its inception, becoming one of the notable agencies in Greater Cincinnati. In 2020, they partnered with Brown & Brown Insurance, a major player in the insurance brokerage industry, which has allowed them to enhance their service offerings and leverage national resources while maintaining a local touch. Their commitment to education and continuous improvement is evident, as their team regularly engages in professional development to stay updated on industry changes.


10. Rankin & Rankin Insurance Services


Rankin & Rankin Insurance Services, based in Zanesville, Ohio, has been serving clients since 1928. This private insurance agency provides a wide array of personal and commercial insurance products, including home, auto, and business insurance. They also offer employee benefits programs, which feature group health and group disability insurance among other options. With a team of 17 employees, they pride themselves on personalized service and community involvement. Their long-standing presence in the industry reflects a commitment to understanding client needs and providing tailored coverage solutions. The agency operates as an independent insurance agent, allowing them to work with multiple carriers to find the best options for their clients. This flexibility is crucial in a competitive market where client needs can vary significantly.


11. Wilson Insurance

  • Website: wilsoninsurances.com
  • Ownership type: Private
  • Headquarters: Montgomery, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1988
  • Headcount: 1-10
  • LinkedIn: wilson-insurance-group

Wilson Insurance, based in Montgomery, Ohio, is a private insurance agency founded in 1988. With a small team of 1-10 employees, the agency specializes in a variety of insurance products, including group health, life, and notably, disability insurance. They cater to both businesses and individual clients, helping them navigate the complexities of insurance to find tailored coverage options. Their offerings include short-term and long-term disability insurance, which are critical for protecting income in the event of unforeseen circumstances. Wilson Insurance prides itself on its personalized service, emphasizing a client-first approach that has fostered long-term relationships with customers. The agency has built a reputation for integrity and reliability, serving clients across Ohio and beyond. Their commitment to providing comprehensive consultations and support reflects their understanding of the insurance landscape and the importance of safeguarding financial well-being.


12. CMS Insurance Agency, Inc

  • Website: cmsinsurance.com
  • Ownership type: Private
  • Headquarters: Cincinnati, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1977
  • Headcount: 1-10
  • LinkedIn: cms-insurance-agency-inc

CMS Insurance Agency, Inc., based in Cincinnati, Ohio, has been a trusted provider of insurance products since its founding in 1977. With a small team of 1-10 employees, the agency prides itself on its independent status, allowing it to represent a carefully selected group of financially sound insurance companies. This independence enables CMS Insurance to tailor insurance solutions to meet the specific needs of individuals, families, and businesses in the Cincinnati area. The agency boasts over 200 years of combined experience among its agents, which enhances their ability to provide knowledgeable and personalized service. In addition to disability insurance, CMS Insurance offers a range of products including auto, home, life, business, and health insurance. Their commitment to community service is evident through various initiatives, reflecting their dedication to supporting local organizations and families. Despite not having reported any funding, their long-standing presence in the industry and focus on customer service position them as a relevant player in the disability insurance market.


13. Schwendeman Agency Inc


Schwendeman Agency Inc. is a family-owned insurance agency based in Marietta, Ohio, with a history dating back to 1929. The agency operates primarily in Ohio and West Virginia, providing a range of insurance and financial services to both individuals and businesses. Their offerings include employee benefits, personal insurance, business insurance, and notably, life and disability insurance. Within the life and disability category, they provide individual disability insurance, which is crucial for clients seeking financial protection in the event of a disability. The agency prides itself on its independent status, allowing it to offer a variety of coverage options tailored to client needs. With a team of approximately 21 employees, Schwendeman Agency emphasizes building strong relationships with clients to ensure they receive the coverage that best fits their circumstances. Their commitment to customer service and policy review further highlights their dedication to client satisfaction.


14. Paige & Byrnes Insurance

  • Website: paigebyrnes.com
  • Ownership type: Family Owned
  • Headquarters: Warren, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1921
  • Headcount: 11-50
  • LinkedIn: paige-%26-byrnes-insurance

Paige & Byrnes Insurance is a family-owned independent insurance agency based in Warren, Ohio, with a history dating back to 1921. The agency specializes in a wide range of insurance solutions, including personal, business, and employee benefits. They serve both individual consumers and businesses throughout Northeast Ohio, providing customized insurance products designed to manage risks and protect assets. Their offerings include not only auto and home insurance but also critical employee benefits such as group health insurance and disability insurance. The agency prides itself on exceptional customer service and has built strong relationships within the community. With a dedicated team that focuses on personal lines, commercial lines, and life and health insurance, Paige & Byrnes Insurance aims to meet the unique needs of their clients while ensuring they have the right coverage for their circumstances.


15. Mitchell Insurance Agency


Mitchell Insurance Agency, founded in 1993 and based in Plain Township, Ohio, is a private insurance agency with a workforce of approximately 46 employees. The agency provides a wide array of insurance products, including auto, home, business, life, and health insurance. They cater to both individual consumers and businesses, offering customized insurance solutions to help manage risks and protect assets. With multiple office locations across Ohio and Florida, Mitchell Insurance Agency emphasizes customer service and support, guiding clients through their insurance options. Their offerings include individual and group disability insurance, indicating their involvement in the disability insurance sector, although it is part of a broader portfolio of services.


16. UIS Insurance and Investments

  • Website: uisprotect.com
  • Ownership type: Private
  • Headquarters: Tiffin, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1924
  • Headcount: 51-200
  • LinkedIn: uis-insurance-and-investment

UIS Insurance and Investments, established in 1924, is an independent insurance agency based in Tiffin, Ohio. With a workforce of approximately 77 employees, the company has built a reputation for providing a wide array of insurance products and services. These include personal insurance, business insurance, and employee benefits, with a notable emphasis on disability insurance within their employee benefits offerings. UIS aims to serve both individual consumers and businesses, helping them manage risks and protect their assets through customized insurance solutions. Their extensive experience in the industry, coupled with a commitment to responsive customer service, positions them as a reliable partner for clients seeking comprehensive insurance coverage. UIS Insurance and Investments also engages in community support initiatives through their "UIS Cares" program, reflecting their dedication to local involvement and service.


17. Harding & Jacob Insurance, Member H.C. Murray Group


Harding & Jacob Insurance, a member of the H.C. Murray Group, has been serving clients since 1932. Based in Independence, Ohio, the agency specializes in a variety of insurance products, including life, health, auto, home, and business insurance. They cater to individuals, families, and businesses, primarily in the Cleveland and Columbus metropolitan areas. The agency prides itself on its commitment to customer service and ethical conduct, aiming to protect clients' financial futures through tailored insurance solutions. With a team of experienced professionals, Harding & Jacob Insurance focuses on understanding the unique needs of their clients, ensuring they receive appropriate coverage. Their offerings include disability insurance, which is crucial for individuals seeking financial protection against unforeseen circumstances that may hinder their ability to work.


18. Andres O'Neil & Lowe Insurance Agency


Andres O'Neil & Lowe Insurance Agency, established in 1923, is a private insurance agency based in Bryan, Ohio, with additional offices in Archbold, Hicksville, and Wauseon. The agency specializes in a wide array of insurance solutions, including employee benefits, business insurance, personal insurance, and life insurance. With a team of approximately 33 employees, they focus on helping both businesses and individual consumers manage risks and protect their assets through customized insurance products. Their services include group health, vision, dental, and notably, disability insurance, which is a critical component of their employee benefits offerings. The agency prides itself on delivering exceptional customer service and has built a reputation for reliability and professionalism over the decades. They are licensed to operate in over 30 states, allowing them to serve a broad market while maintaining a strong local presence.


19. Stolly Insurance Group

  • Website: stolly.com
  • Ownership type: Family Owned
  • Headquarters: Lima, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1904
  • Headcount: 51-200
  • LinkedIn: stolly-insurance-group

Stolly Insurance Group, based in Lima, Ohio, is a family-owned insurance agency that has been serving the community since 1904. With a workforce of 51-200 employees, the company offers a wide array of insurance products, including personal, business, and health insurance. Their health insurance offerings include group health, group dental, group vision, group life, and notably, disability insurance. Stolly Insurance Group is dedicated to helping individuals and businesses manage risks and protect their assets through customized insurance solutions. The agency operates multiple offices across Ohio, reinforcing its commitment to local service and community involvement. Their recognition as 'Best in the Region' for insurance agencies highlights their reputation and trust within the community, further solidifying their role in the insurance industry.


20. O'Neill Insurance

  • Website: oneillinsurance.com
  • Ownership type: Corporate
  • Headquarters: Wadsworth, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: September 2023
  • Founded year: 1924
  • Headcount: 11-50
  • LinkedIn: the-o%27neill-group

O'Neill Insurance, established in 1924, is an independent insurance agency based in Wadsworth, Ohio. With a team of approximately 38 employees, the agency specializes in a comprehensive suite of insurance solutions tailored to meet the needs of both individual consumers and businesses. Their offerings include personal insurance, business insurance, and health insurance products, with a notable emphasis on employee benefits such as disability insurance. O'Neill Insurance prides itself on its client-centric approach, aiming to provide peace of mind through customized coverage options. The agency serves various regions in Ohio, including Akron, Medina, Wooster, Cleveland, and Canton, and is dedicated to helping clients manage risks and protect their assets effectively. Their commitment to community involvement and client education further underscores their role in the insurance industry.


21. CoverLink Insurance

  • Website: coverlink.com
  • Ownership type: Private
  • Headquarters: Bellefontaine, Ohio, United States (USA)
  • Employee distribution: United States (USA) 85%, Botswana 15%
  • Founded year: 1920
  • Headcount: 11-50
  • LinkedIn: hillandhamilton

CoverLink Insurance, based in Bellefontaine, Ohio, has been a trusted name in the insurance industry since its founding in 1920. With a workforce of approximately 62 employees, the company operates as a private insurance agency, providing a wide array of insurance products. These include personal insurance, business insurance, malpractice insurance, and health insurance, with specific offerings in disability insurance. CoverLink prides itself on delivering personalized service and expert advice, ensuring that clients receive tailored solutions to protect their assets and manage risks effectively. The agency serves both individual consumers and businesses, demonstrating its capability to address various insurance needs. Their commitment to client satisfaction is reflected in their high retention rate, with over 94% of clients choosing to stay with them year after year. CoverLink operates multiple offices across Ohio, enhancing its accessibility to clients in the region.


22. Busha-Okeson Insurance

  • Website: busha-okeson.com
  • Ownership type: Family Owned
  • Headquarters: Beachwood, Ohio, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1929
  • Headcount: 1-10
  • LinkedIn: busha-okeson-insurance

Busha-Okeson Insurance is a family-owned independent insurance agency based in Beachwood, Ohio, with a history dating back to 1929. The agency specializes in a variety of insurance solutions, including personal, business, and employee benefits. Their offerings include home, auto, and individual life insurance, alongside business insurance tailored for various sectors. Notably, they provide disability insurance as part of their employee benefits package, catering to both individual consumers and businesses. With a strong emphasis on client satisfaction, Busha-Okeson Insurance prides itself on understanding the complexities of insurance and delivering personalized service to meet the unique needs of their clients. Their long-standing presence in the industry reflects their adaptability and commitment to evolving with market demands.



Disability Insurance Insights: Key Companies in Ohio


CompanyHeadquarterSizeFoundedOwnership
Diversified Brokerage Specialists, Inc.Blue Ash, Ohio, United States (USA)11-501946Private
American Insurnet AgencyCincinnati, Ohio, United States (USA)11-501993Private
Beam BenefitsColumbus, Ohio, United States (USA)201-5002012Venture Capital
The Uhl AgencyDayton, Ohio, United States (USA)11-501958Private
Lang Financial Group, Inc.Cincinnati, Ohio, United States (USA)11-501974Private
Hummel GroupBerlin, Ohio, United States (USA)51-2001957Corporate
Hosket Ulen Insurance SolutionsDublin, Ohio, United States (USA)11-501968Private
Gem-Young Insurance & Wealth AdvisorsCanfield, Ohio, United States (USA)11-501947Family Owned
Berry Insurance Group, Inc.Terrace Park, Ohio, United States (USA)11-502002Private
Rankin & Rankin Insurance ServicesZanesville, Ohio, United States (USA)11-501928Private
Wilson InsuranceMontgomery, Ohio, United States (USA)1-101988Private
CMS Insurance Agency, IncCincinnati, Ohio, United States (USA)1-101977Private
Schwendeman Agency IncSaint Clairsville, Ohio, United States (USA)11-501929Family Owned
Paige & Byrnes InsuranceWarren, Ohio, United States (USA)11-501921Family Owned
Mitchell Insurance AgencyPlain Township, Ohio, United States (USA)11-501993Private
UIS Insurance and InvestmentsTiffin, Ohio, United States (USA)51-2001924Private
Harding & Jacob Insurance, Member H.C. Murray GroupIndependence, Ohio, United States (USA)11-501932Private
Andres O'Neil & Lowe Insurance AgencyBryan, Ohio, United States (USA)11-501923Private
Stolly Insurance GroupLima, Ohio, United States (USA)51-2001904Family Owned
O'Neill InsuranceWadsworth, Ohio, United States (USA)11-501924Corporate
CoverLink InsuranceBellefontaine, Ohio, United States (USA)11-501920Private
Busha-Okeson InsuranceBeachwood, Ohio, United States (USA)1-101929Family Owned


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