Minster

68 West Fourth Street, Minster, OH 45865

Insurance Brokers in Minster, OH

At Higginbotham, we’re dedicated to delivering insurance solutions that are tailored to meet the needs of our community. As part of one of the largest independent insurance, human resources and financial services firms in the nation, we offer a comprehensive suite of services designed to protect what matters most to you.

Initially founded as Community Insurance Group (CIG), our team has supported the people and businesses of western Ohio for over two decades. In 2023, we enhanced our capabilities by partnering with Higginbotham, and in 2025, we began doing business under the Higginbotham name. While our name has changed, our commitment to innovative insurance strategies and exceptional client care has not.

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What We Offer

Personal Insurance

Business Insurance

Employee Benefits

HR Services

Financial Services

Commercial Insurance

Managing a business means taking on numerous risks, but the right insurance coverage can help protect your operations, workforce and assets. No two businesses are alike, and that’s why our team strives to understand the specific requirements of your company before proposing and pricing insurance options.

No matter your size or industry, Higginbotham can help create a customized insurance and risk management strategy that’s designed to protect your business.

Commercial Insurance Policies

General Liability

Business Auto

Inland Marine

Workers’ Comp

Business Property

Business Owners Policy (BOP)

Equipment Breakdown

Excess Liability

Professional Liability

Surety Bonds

Farmer Using A Shovel To Bring Food Closer To The Cows On A Farm

Commercial Farm Insurance

Farms and agricultural businesses encounter distinct risks that can affect their output, profitability and longevity. Whether it’s erratic weather or equipment malfunctions, farmers must always be ready for the unexpected. Let our team take off the weight of worrying about whether your operation is covered.

Our Minster team excels in crafting specialized commercial farm insurance plans aimed at protecting your assets, machinery, workers and financial health. Coverage options include:

Propane and Fuel Dealer Insurance

Energy distributors encounter various industry-specific risks, which can make it challenging to find an insurance provider that truly understands your unique requirements. We aim to simplify this process with streamlined applications and competitive pricing so you can effortlessly obtain coverage.

Our specialists work with a variety of businesses involved in the energy sector, ranging from propane dealers and oil distributors to self-service gas stations and retail fuel distributors.

Trucking and Transportation Insurance

The trucking sector is vital to the supply chain, but fleets and logistics companies are exposed to significant risks that range from road accidents to regulation changes. Whether you manage a sizable fleet or are an owner-operator, Higginbotham can help develop a tailored insurance program that’s designed to keep your operation running smoothly.

Our clients include trucking companies of every kind and size, including dump trucks, long-haul operators, freighters, hazmat transporters, cargo carriers and short-haul operators – just to name a few.

Personal Insurance

Life can be unpredictable, but the right personal insurance coverage can offer you and your loved ones reassurance. Our team understands that personal insurance isn’t just about policies – it’s about protecting what matters most to you. That’s why we take a personalized approach to insurance, taking the time to understand your needs and circumstances before assisting you in selecting the coverage that best matches your lifestyle.

Home Insurance

Auto Insurance

Renters’ Insurance

Happy Black seniors welcoming visiting grandchildren

Life Insurance

Hobby Farm Insurance

Father and son in lifejackets enjoying speedboat ride

Watercraft and Boat Insurance

Personal Liability (Umbrella)

RV Insurance

Employee Benefits Solutions

Regardless of the industry, securing and keeping the best talent is crucial for any company’s success. Offering competitive employee benefits can be one way of achieving this goal. However, every employer faces distinct challenges and objectives in developing an effective benefits strategy, and this is where Higginbotham steps in.

Our specialists offer a variety of benefit solutions that can be customized to suit your team and your business goals. Whether you’re looking to improve your existing benefits or establish a new program entirely, we’re here to guide you through your options.

Ohio Insurance That Works for You

At Higginbotham, we reject the idea of mediocrity. Our goal is to excel in all that we do. Here’s what to expect when you partner with us:

Discover: The process begins by arranging a meeting with one of our specialists. We’re eager to get to know you – your priorities, ambitions, interests, concerns and any other details you think are significant.
Design: With a clear understanding of your circumstances, we’ll create a comprehensive solution to address your insurance needs and manage your risks.
Create: Our access to a range of insurance carriers allows us to find coverage that’s both comprehensive and cost-effective. And, you don’t have to navigate your policy options on your own – we aim to be both your ally and your advocate.
Support: As your needs evolve, we’re by your side, helping to make sure your coverage evolves with you. Insurance should be the last thing on your mind – because it’s the first thing on ours.

At Higginbotham, we’re more than just an insurance agency; we’re your partner in success. Have questions or want to learn more about our services? Our team is ready to assist. Contact one of our specialists today to experience the Higginbotham difference.

Talk to a Member of Our Team

Minster

68 West Fourth Street