Get Your Insurance Quote
As an independent agency, we are here to help you find the right coverage.
D'Ambrosio & Elders Agency
Learn more about our agency.
D’Ambrosio & Elders Agency is an independent insurance agency representing a diverse portfolio of insurance companies to accommodate residents and businesses of Northern Kentucky and the nearby area. We secure quality insurance products to fit the unique and ever-changing needs of individuals, families, and businesses.
We offer top-notch, highly reputable service you can count on. From securing coverage to filing a claim or policy reviews, we are there to help you through it all. Even when insurance rates fluctuate, we’ll help you find a new company without changing your relationship with your agents. We are excited about the opportunity to serve our clients for many years to come. Read more about us!
“I have been working with Tyler Elders for over nine years. He is super responsive and really knows his stuff. If you don't have an agent that knows you and your situation, you are missing out. I can't say enough about the kind of great service I have received.”
Ann W.
“I highly recommend Molly Greene at D'Ambrosio & Elders Agency. Not only was she informative and friendly, but she was also very helpful in lowering our monthly insurance policy by a couple of hundred dollars and found us way better coverage!”
Lyndsey M.
“Absolutely top of the line customer service! The process of obtaining car and home insurance was very easy, and I feel comfortable knowing that I am well protected if I needed to make a claim. I recommend this group to anyone with insurance needs today.”
TJ F.
Real clients. Real reviews. Real coverage.
I’ve been with D’Ambrosio & Elders for a few years now with home and auto, and couldn’t be happier with them. They are everything you want in your insurance agents. They are very professional, have quick response times, and will get you the best rates. I have recommended them to all my family and friends and you should too! You will be very happy you did.
– Brandon C.
Over 100 Five-Star Ratings
Check out our reviews and see why you should switch to D'Ambrosio & Elders Agency.
We offer insurance solutions throughout Northern Kentucky and the Cincinnati, OH area to include Crestview Hills, KY, Edgewood, KY, Fort Mitchell, KY, and Fort Wright, KY. We extend service statewide throughout Kentucky, Ohio, Indiana, and Tennessee.
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
The Solution To Your Insurance Needs
Providing a variety of personal insurance and business insurance solutions is what D'Ambrosio & Elders Agency does best.
Personal Insurance
Trusted advice and insurance solutions to protect what matters most.
Business Insurance
Coverage and risk management solutions for companies of all sizes.
Business Insurance
Coverage and risk management solutions for companies of all sizes.
Interactive Graphic
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
Bodily Injury Liability Coverage
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
Risk Factor
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.
Solution
Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.
Medical Payments Coverage
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.
Solution
Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Risk Factor
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Solution
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Transportation Expenses / Rental Coverage
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Solution
Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Auto Insurance 101
Make sure you cover the unique risks you face with auto insurance.
Click on the hotspots.
Discover your risks.
Get the right coverage.
Not what you’re looking for?
Find even more interactive graphics for home insurance, life insurance, and business insurance.
What Makes D'Ambrosio & Elders Agency Special
Here’s what sets us apart when it comes to serving your insurance needs.
Expertise You Can Trust
Our agents stay up-to-date on industry knowledge to give our clients the most applicable coverage available.
Personalized Service
Our focus is on our clients—not the sale. We are happy to walk you through securing coverage and filing potential claims.
Customized Coverage
We offer over 20 insurance solutions, ready to be customized toward your individual need.
Broad Coverage
We are proud to offer solutions to clients in Northern Kentucky and across Kentucky, Ohio, Indiana, and Tennessee.
Client-Centered
We happily go the extra mile to exceed our clients’ expectations, no matter what their insurance needs are.
Experienced Agents
With over 20 years of combined experience, we understand what it takes to bring our clients quality solutions.
