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Focus Areas

Ohio Indemnity is not a generalist carrier. We focus on specialized insurance markets — carefully chosen for their complexity, barriers to entry, and long-term value.

How It Works

Each niche is supported by a distribution model that fits the product, and in most cases, by trusted agency partners who know their clients and understand the industries we serve.

Credit Insurance for Financial Institutions

We support banks, credit unions, and finance companies through MGAs who are experts in lender-based insurance programs. Our products include:

  • Creditor Placed Insurance (CPI) - Protects lenders when a borrower’s insurance lapses
  • Vendor’s Single Interest (VSI) - Blanket auto loan protection that is simple to administer
  • Guaranteed Asset Protection (GAP) - Eliminates the gap between loan balance and insurance payout after a total loss

Our MGA partners manage the lender relationships, while we provide responsive underwriting, filings, compliance, and claims support.

Equipment Physical Damage (EPD)

EPD is distributed through an agency relationship. This program focuses specifically on financing for light farm and construction equipment, including:

  • Tractors
  • Utility vehicles
  • Skid steers and excavators

Our close alignment with this agency ensures product clarity, underwriting discipline, and a strong connection to the equipment finance ecosystem.

Landfill Closure and Post-Closure Surety Bonds

Ohio Indemnity provides closure and post-closure bonds for landfill operators in the waste industry. These specialized surety solutions are distributed through a MGA partner who understands both the regulatory landscape and the client base. We provide the compliance expertise and financial backing to help meet stringent federal and state bonding requirements.

Unemployment Insurance for Nonprofits

Delivered through UC Assure, this program offers an alternative to traditional unemployment taxes for:

  • 501(c)(3) nonprofits
  • Public employers (e.g., school districts, municipalities)
  • Federally recognized Native American tribes

UC Assure is distributed through a dedicated network of agencies that specialize in serving nonprofit and public sector employers. The program includes first-dollar coverage, shared-risk options, claims management, and surety bonding.

Specialty Offerings

Our strategy emphasizes strong relationships with agents to achieve our goals.

UC Assure

UC Assure

Since 1989, UC Assure has served organizations across the U.S. — including 501(c)(3) nonprofits, public entities, and tribal governments — by providing an alternative to traditional unemployment tax systems. We help clients reduce costs, streamline administration, and deliver superior claims support.

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OIC Lender Services

OIC Lender Services

Insurance Solutions for Lenders — Delivered Through Trusted MGA Partners. For more than 50 years, OIC Lender Services, a division of Ohio Indemnity Company, has specialized in providing insurance programs that help lenders protect collateral, reduce losses, and operate more efficiently.

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