Ohio-Based Excellence with Nationwide Protection

PICKING A HEALTH PLAN SHOULDN'T FEEL LIKE ROCKET SCIENCE

ACA Open Enrollment Assistance: Get expert guidance during the critical enrollment period.

Property & Casualty insurance is about protecting Things like your home, car, business, and assets from unexpected losses.

Homeowners

Protect your dwelling and belongings with comprehensive coverage that responds when you need it most.

Auto & High-Value Vehicles

Landlord

Coverage for cars, trucks, motorcycles, and specialty vehicles with the right liability and protection for today’s high vehicle costs.

Safeguard your rental properties and income streams with tailored landlord insurance.

Condos & Townhomes

Specialized coverage for shared living spaces where association policies may leave gaps.

Business & Commercial

Specialty Lines

Protection for business property, general liability, and even specialized industries like trucking or contractors.

Umbrella liability, flood, and niche coverage designed to protect the unexpected.

Life and Health insurance is about protecting People, their wellbeing, their families, and their financial future.

ACA HEALTH PLAN

Free Enrollment Help

• Individuals, Families & Small Businesses

• Verify doctors, prescriptions & networks (HMO / EPO / PPO)

• Estimate potential savings with premium tax credits

• Special Enrollment (SEP) help for qualifying life events

• Personal agent — no call centers

Small Business (ICHRA)

Flexible Health Benefits

Life Insurance

Protect What Matters Most

Coverage that replaces income, pays off debt, and funds legacy goals. We’ll right‑size a plan for your budget and timeline.

• ✔ Term Life: Most coverage per dollar

• ✔ Whole Life: Lifetime + cash value

• ✔ Final Expense: Smaller, simplified

• ✔ Indexed Universal Life (IUL)

• ✔ Flexible riders and add-ons

We specialize in ACA Health Enrollment for individuals, families, and small businesses. Open Enrollment is just weeks away—our help is free, and we’ll guide you every step of the way. We also provide life insurance for lasting protection.

Compliance note: Information is general and not legal or tax advice. Plan details, eligibility, and availability vary by state and carrier. E&S Insurance Group LLC. does not offer Medicare or Medicaid services. ICHRA availability and requirements vary by state and year. We’ll coordinate with your payroll/tax advisors and provide required notices and plan documents. *As low as $0 depends on eligible subsidies. Availability varies by income, household, and location.

Offer tax‑advantaged, budget‑controlled health benefits by reimbursing employees for their own individual coverage. No group plan required. Perfect for teams with mixed full‑time/part‑time schedules or multi‑state locations.

• ✔ Set your budget

• ✔ Pay only for what’s used

• ✔ Employees pick their plan

• ✔ Tax‑efficient

ACA Health Plans — as low as $0/mo*

“As low as $0/mo” applies only when eligible subsidies fully offset the premium; qualification depends on household size, income, and location. Deductibles, copays, and other out-of-pocket costs may still apply.

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