Insight Beyond Insurance
Actionable solutions that lead to the continued success and growth of your business.
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TRUSTED BY 1,500+ BUSINESSES
WHY PHELAN INSURANCE AGENCY?
The Insurance Buying Process is Broken
Business owners have become victims, often feeling powerless over their insurance. They just brace for the next inevitable rate increase and hope for the best.
Here’s why your current process doesn’t work for your business:
Inputs
Minimal info No claims or coverage review Trends ignored Focus on cheapest price
Process
Last-minute renewal rush Agent "shops around" You are forced to choose quickly Nothing changes
Outcomes
Large premium increase Unidentified risks Higher claims frequency + severity Ongoing frustration
*Source: Travelers Risk Index
*Source: Marshall & Swift/Boeckh
*Source: SHRM
*Source: SimplyInsured
Better inputs create better outcomes. Start smarter with us.
How We Help You Win
While most agents just want to sell you more insurance, we focus on where your business is going. Our unique process identifies emerging risks that threaten your operations, profits, and people. We work with you to develop a personalized plan that delivers real business impact by reducing exposures insurance alone can’t fix.
SEE RISK BEFORE IT BECOMES LOSS
RiskView365
It’s not just about having insurance; it’s about taking proactive steps to protect your operations, lower your premiums, and ensure long-term stability.
Identify Emerging Threats
We uncover risks that don’t show up on a renewal application. From workforce turnover to contract language, cyber gaps, and regulatory shifts - so you're never caught off guard.
Analyze Operational Impact
We map each risk to potential business disruption, brand damage, or financial loss. This isn't guesswork. It’s a structured, performance-driven risk profile tailored to your operations.
Alignment
Your business strategy sets the direction. We make sure your insurance and risk strategy moves with it. The result is a clearer path forward where protection, performance, and growth stay in sync.
WE FIGHT FOR YOU
Top of Stack Submissions
We surveyed underwriters and uncovered a shocking truth: fewer than 30% of insurance submissions have enough information to qualify for the best pricing. The rest go to the bottom of the stack or worse, get declined outright.
Underwriter Intelligence Built-In
We build comprehensive, underwriter-ready packages that position your business as best-in-class. The result? Stronger carrier competition, more credits, and better coverage.
Earn Full Credits
Most businesses miss out on premium savings simply because their entire story isn't being told. We make sure your strengths translate into bottom-line results.
Create Market Leverage
By delivering elite-level submissions, we drive more interest from top insurance carriers and give you the negotiating power most agents can't.
MORE THAN A VENDOR
We're Your Partner
We’re not just another insurance agency looking to sell a policy. We operate as a true advisor, like your attorney or financial planner, offering strategic guidance that protects your business today and strengthens it for tomorrow.
Strategic Insight, Not Sales Pressure
Our role isn’t to push products. It’s to understand your operations, uncover risks, and develop smart strategies that align with your long-term goals.
The Right Size for Results
We’re big enough to exceed your service and expertise expectations, but small enough to know your name, your business, and your priorities.
Performance-Based
From compliance to claims, risk culture to coverage gaps, we advise on more than insurance. We help you make better decisions across your entire operation.
Remarkable Results, No Matter Your Size or Industry
Successfully scale your business with Phelan Insurance Agency. The proof is in our customers’ success.
“We have partnered with Phelan Insurance Agency for many years for both our business and health insurance needs, and their service has consistently exceeded our expectations.
They are incredibly responsive, always available when we need them, and have proven to be a reliable and trusted business partner.”
Nicki Gillespie
CFO & VP of Finance
Wayne HealthCare
“With Phelan’s guidance, we successfully transitioned to a true cost self-insured plan, joined a captive, and most notably – opened a shared employer clinic through the EDC, which has now been operating for four years.
The clinic has become the most valuable benefit we offer our employees, allowing us to provide accessible, cost-effective care while continuing to expand services as employee needs evolve.
Phelan Insurance Agency has been instrumental in helping us make strategic decisions that directly impact the well-being of our team and the sustainability of our benefits program.”
Cynamyn Williams Clem
Vice President
Harmony Systems
“With Phelan Insurance Agency’s guidance, we’ve enhanced our benefits offerings, improved employee satisfaction, and reduced administrative burdens.
Their proactive support and industry knowledge have allowed us to focus more on our business, knowing our team’s health and well-being are in trusted hands.”
Brandey Brubaker
Wellness Coordinator
JAFE Decorating
“Our experience with Phelan Insurance Agency has been excellent. Our account manager, specifically, has been easy to work with, answers questions promptly, and is always there to help.”
H A Dorsten, Inc.
“Chris G. has been really great to work with. He is always looking out for our company and member’s best interests. His advice is solid, backed by extensive knowledge of the health care industry and benefits.”
TruLand Equipment, LLC
“Great service all around. Phelan Insurance Agency is not just our insurance broker; we consider the whole team our strategic partner.”
Western States Machine Co.
GET AHEAD OF THE CURVE
Innovative Employee Benefits Solutions
Our team takes the time to understand how your business truly works, so we can build a plan that fits your needs and goals. Whether you’re facing rapid growth, regulatory challenges, or rising claims, we’re equipped to adapt and respond with solutions that keep you protected and prepared.
Nearly every health insurance broker in Ohio has access to the same insurance companies and products (Anthem, Aetna, United Healthcare, and Medical Mutual of Ohio). We all end up with the same price in the end.
When choosing your Employee Benefits Advisor, you should look at key differentiators and value beyond of the placement of insurance.
Benefits Administration
Are you tired of inefficient paper packets for open enrollment, new hires, and terminations? There is a better way.
Primary Care Clinics
Have your employees struggled to find primary care, been reluctant to receive primary care due to cost, or been frustrated with long wait times?
Self-Funded Option
The health insurance industry wants you to choose between high costs and high risk. We offer an alternative that could reduce your costs while capping your risk over multiple years.
Industries We Serve
Our team takes the time to understand how your business truly works, so we can build a plan that fits your needs and goals. Whether you’re facing rapid growth, regulatory challenges, or rising claims, we’re equipped to adapt and respond with solutions that keep you protected and prepared.
Trucking
Compliance-ready coverage for fleets and owner-operators.
Manufacturing
Custom packages for production lines and logistics risks.
Contractors
Built to reduce risk and keep your projects moving.
Hotels & Motels
Guest safety and property protection without the hassle.
Ohio Public Schools
Focused on compliance, risk reduction, and long-term stability.
Small Business
Created for local shops, startups, and service pros.
Professionals
Tailored coverage protecting expertise, reputations, and financial decisions.
Agribusiness
Safeguarding your operations and supply chains from field to market.
Farm & Ranch
Peace of mind crafted for working farms, ranches, and rural properties.
Helpful Articles, Tutorials, and More
A curated hub of insights, tools, and strategies to help you reduce risk, control costs, and future-proof your business.
Blog
Fresh perspectives to help you navigate risk, insurance, and business strategy with confidence. Learn More →
Info Hub
Downloadable guides, checklists, and tools to strengthen your risk management and insurance planning. Browse Resources →
Watch & Learn
Quick, engaging videos that simplify insurance concepts and spotlight proactive strategies for your business. Watch Videos →
Podcast
Listen to Phelan Unscripted: Real conversations with business leaders, risk experts, and innovators. Episode List →