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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!

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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.

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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.
Find Out How

The Solution To Your Insurance Needs

Providing a variety of personal insurance and business insurance solutions is what D'Ambrosio & Elders Agency does best.

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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.


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. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
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 plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


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.


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.

Rental Coverage / Loss of Use
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.


Rental coverage/ loss of use 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.

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  • Discover your risks.
  • Get the right coverage.
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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.


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.

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  Contact D'Ambrosio & Elders Agency

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

Crestview Hills, KY

215 Thomas More Parkway, Suite C
Crestview Hills, KY 41017

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