Celina Insurance Group: Over a Century of Midwest Protection

Founded in 1914, Celina Insurance Group has spent over 110 years evolving from a small automobile fire insurance association into a multi-line insurance powerhouse. Headquartered in Celina, Ohio, this group—comprised of four mutual companies—is rated A (Excellent) by AM Best.

When you choose Celina, you are choosing a company that survived the Great Depression without a single layoff and has remained family-led for generations. Today, they are a premier choice for Ohioans who want a “Personal Approach” to their security.

Detailed Commercial and Small Business Insurance

Celina’s commercial wing is arguably one of the most flexible in the Ohio market. They don’t just offer “policies”; they offer specialized programs for specific industries.

1. The BOP Plus & BOP Platinum Plus

While most carriers offer a standard Businessowners Policy (BOP), Celina offers BOP Plus and Platinum Plus. These are “super-charged” policies that include deeper automatic coverages for:

Equipment Breakdown: Essential for businesses relying on expensive tech or machinery.
Identity Management: Comprehensive services to protect your business’s reputation.
Professional Liability: Can be bundled directly into the BOP for many classes.

2. Industry-Specific Programs

Automobile Services & Car Washes: Uniquely rated by employee count rather than payroll, making it highly competitive for oil & lube shops, glass shops, and tire dealerships.
Churches: A dedicated program including Stained Glass coverage and Counselors’ Liability.
Used Auto Dealers: A specialized niche where Celina excels in providing Garage Liability.
Service & Processing: Tailored for dry cleaners, funeral homes, and printing shops.

Deeply Rooted: Celina Insurance Group’s Farm & Agribusiness Division

In Ohio, farming isn’t just an industry; it’s the heartbeat of our communities. Celina Insurance Group understands this better than most because they were founded in the heart of Mercer County—one of the top-producing agricultural counties in the state.

Their Farm Department is unique because it isn’t staffed by cubicle-dwellers; it’s managed by Agribusiness and Farm Insurance Specialists (AFIS), many of whom have personal experience working on Ohio farms. This “boots-on-the-ground” expertise allows Celina to write complex risks that national “big-box” carriers simply don’t have the stomach for.

1. The “Farm Security” Program: Complete Farm Protection

Celina’s flagship agricultural product is the Farm Security program. It is a flexible, modular policy that allows us at Ingram Insurance to wrap all your exposures—home, barns, machinery, and liability—into one single, manageable account.

Dwellings and Household Personal Property: Whether it’s the original 1920s farmhouse or a modern ranch, Celina provides high-limit protection for the structure and your personal belongings.
Farm Structures (Barns & Outbuildings): From traditional bank barns and machine sheds to modern hog finishing buildings and dairy parlors. Celina specializes in insuring structures like turkey and hog buildings that are less than 15 years old.
Farm Personal Property (Blanket or Scheduled): * Machinery & Equipment: Coverage for tractors, combines, planters, and even high-tech GPS precision planting equipment.
- Livestock: Protection for your herd, including beef cattle, dairy cows, hogs, and sheep.
- Farm Supplies: Coverage for your stored hay, grain, feed, fertilizer, and seed.

2. Specialized Ag Endorsements (The “Celina Difference”)

Standard policies often have gaps. Celina fills them with endorsements specifically requested by Ohio farmers:

Peak Season Coverage: Your inventory value fluctuates wildly. This endorsement automatically increases your limits for stored grain, seed, and fertilizer during harvest or planting seasons so you aren’t under-insured when your bins are full.
Limited Farm Pollution Liability: Essential for modern operations, this covers liability for “seepage, or spray drift,” protecting you from the legal fallout of accidental chemical or waste runoff.
Intake of Foreign Objects: Anyone who has ever run a rock through a combine knows the cost. Celina offers specific coverage for damage caused by the intake of stones or other debris into farm machinery.
Farm Machinery Glass: A specialized, low-deductible (or no-deductible) option for the expensive cab glass on tractors and harvesters.
FarmGuard & FarmGuard Plus: These are “enhancement” packages that bundle dozens of smaller coverages—like refrigerated contents, towing for farm trucks, and pollutant cleanup—into one affordable add-on.

3. The Equine Program: Protection for Ohio Horse Owners

Whether you have two retired quarters in the backyard or a full-scale boarding and training facility, Celina is a market leader in Equine Insurance.

Coverage Type	What it Protects
Personal Equine Liability	Protects you if your horse causes injury or property damage to a third party, whether on or off your premises.
Boarding & Training Liability	Vital for commercial stables; covers legal defense if a client’s horse is injured or if a student is hurt during a lesson.
Tack & Equipment	Specialized coverage for expensive saddles, bridles, and specialized trailers (can be scheduled for full value).
Care, Custody, or Control	A specific liability cover for when you are legally responsible for horses you do not own (e.g., boarding for others).

4. Rural Homeowners: The “Hobby Farm” Specialist

One of the most common calls we get at Ingram Insurance is from residents who live on 5–10 acres with a few chickens or a “freezer beef” operation. Most standard homeowners companies will cancel these policies the moment they see a tractor or a farm stand.

Celina’s Rural Homeowners Program is the perfect solution. It is designed for people who live in rural areas but don’t depend on farming as their primary income.

Acceptable Exposures: Small livestock operations, farm stands, hay sales, and equine activities are all welcomed under this program.
Distance to Fire Department: Celina is very comfortable with properties located 2-6 miles from responding departments, which is common in rural Ohio.

Why the Ingram Advocacy Matters for Your Farm

When a storm hits and your grain bin collapses, you don’t want to talk to a computer. You want an agent who knows your name and a carrier that knows your industry.

Inventory Management: We work with you to complete a Farm Personal Property Inventory, ensuring that your “Blanket” limit is at least 80% of your actual value to avoid co-insurance penalties.
Custom Underwriting: Because we have a direct line to Celina’s farm underwriters, we can often get “common-sense” exceptions for unique farm risks that other agents might find “un-insurable.”
Bundling Power: By placing your Farm Auto (including semis and livestock trailers) alongside your Farm Security policy, we can often unlock “Ultra-Competitive” pricing that keeps your overhead low.

How to Report a Claim with Celina Insurance Group

Celina is known for being “friendly, helpful, and responsive.” If you suffer a loss, their claims team is available around the clock.

Celina Insurance Claims: 1-800-231-2318

Report via Phone: Call 1-800-231-2318 to speak with a representative 24/7.
Online Reporting: Log in to your “My Policy” account on the Celina website.
Direct Repair Program: Celina offers a network of “Select Service” repair shops that can expedite your auto repairs and guarantee the work.

Why Choose Ingram Insurance as Your Celina Advocate?

At Ingram Insurance, we know that Celina Insurance Group is often the best fit for the “hard-to-place” rural property or the specialized Main Street business. Here is why you should partner with us:

1. Navigating the “Mutual” Advantage

Celina is owned by its policyholders. We help you understand what that means for your dividends and long-term rate stability. We aren’t just selling a policy; we’re helping you join a mutual success story.

2. Expert “Rural” Insight

Many national agents don’t understand the difference between a “hobby farm” and a “residential property with chickens.” We do. We know exactly how to leverage Celina’s Rural Homeowners Program to get you full coverage where others see “unacceptable risk.”

3. Local Claims Support

If you have to call that 800-number for a claim, we want to know about it. We stay in the loop to ensure that Celina’s “A” rating is reflected in the service you receive on the ground in Ohio.

Celina Insurance Group: Frequently Asked Questions

General & Company Background

Who is Celina Insurance Group? Celina Insurance Group is a family of four mutual insurance companies (including Celina Mutual and National Mutual) founded in 1914. Headquartered in Celina, Ohio, they have spent over 110 years providing regional expertise in property and casualty insurance.
Is Celina Insurance Group financially stable? Yes. Celina is rated A (Excellent) by AM Best, the industry’s leading financial rating agency. This rating reflects their strong balance sheet and ability to pay claims even in catastrophic situations.
What does it mean that Celina is a “Mutual” company? Unlike a “stock” company owned by Wall Street investors, a mutual company like Celina is owned by its policyholders. This allows them to focus on long-term stability and customer service rather than short-term profits.
Where is Celina Insurance Group located? Their home office is located at One Insurance Square, Celina, Ohio 45822. They are a deeply rooted Ohio company that understands the local landscape.
In which states does Celina Insurance Group operate? While they are an Ohio powerhouse, they also provide coverage in Indiana, Tennessee, Kentucky, and West Virginia.

Claims & Emergency Support

How do I report a claim to Celina Insurance? You can report a claim 24/7 by calling their dedicated claims line at 1-800-231-2318. You can also report via your “My Policy” online portal or by calling your Ingram Insurance agent.
Does Celina have an “Auto Direct Repair” program? Yes. Celina partners with a network of “Select Service” repair shops. Using one of these shops often speeds up the claims process, and the workmanship is typically guaranteed for as long as you own the vehicle.
How quickly does Celina contact policyholders after a claim is filed? Celina aims for a “Personal Approach.” A claims manager typically reviews every file and assigns an adjuster who usually makes contact within 24 hours of the report.
Does Celina Insurance offer Roadside Assistance? Yes. If you have the Emergency Roadside Assistance endorsement, you have 24/7 access to towing, jump-starts, and flat tire changes through their partnership with Nation Safe Drivers.

Personal & Auto Insurance

Can I get insurance for my teenage driver through Celina? Absolutely. Celina offers specific programs for new drivers and provides tips and affordable options to help families manage the cost of adding a teen to their policy.
What is the “First Accident Forgiveness” endorsement? This is an optional coverage that prevents your premium from increasing after your first at-fault accident, provided you have a clean driving record leading up to the event.
Does Celina offer a “Sunny Day” motorcycle feature? Yes! For motorcycle enthusiasts, this unique feature provides coverage for the occasional ride during the “lay-up” months (December–February) if the weather happens to be nice, without requiring a full-year premium rate.
Is “Service Line Coverage” available for homeowners? Yes. You can add coverage to protect against the failure of underground service lines (water, sewer, etc.) that connect your home to the street, which are usually not covered by standard home policies.

Farm & Agribusiness

What is Celina’s “Rural Homeowners” policy? This is a specialized program for Ohioans who live in rural areas but aren’t full-time farmers. It is perfect for “hobby farms” with horses, small chicken operations, or those who sell freezer beef.
Does Celina cover “Peak Season” inventory for farmers? Yes. Their farm policies can automatically increase limits for stored grain, seed, and fertilizer during the months when your inventory values are at their highest.
Is “Farm Machinery Glass” covered? Celina offers a specific endorsement for farm machinery glass, ensuring that a cracked windshield on a tractor doesn’t result in a massive out-of-pocket expense.
Can I get Equine (Horse) Liability through Celina? Yes. They have a robust Equine Program that can handle both personal use and certain commercial boarding or training exposures.

Commercial & Small Business

What is the “BOP Platinum Plus” program? This is Celina’s top-tier Small Business policy. It bundles traditional property and liability with “high-end” extras like Equipment Breakdown, Professional Liability, and Identity Management.
Does Celina insure Used Auto Dealers? Yes. Celina is a leader in the Garage Liability market for used car dealerships, providing specialized coverage for “Drive-Away Collision” and “Dealers Open Lot.”
Can I insure a Church or Non-Profit through Celina? Yes. They have a dedicated Church Program that includes unique protections for Stained Glass, Counseling Liability, and even doubled medical expenses during religious holidays.
Does Celina offer Workers’ Compensation? In Ohio, Workers’ Comp is handled through the state fund (BWC), but Celina can provide “Stop Gap” liability to protect your business. They do offer full Workers’ Comp policies in Indiana and Tennessee.

Digital Tools & Ingram Advantage

What can I do in the “My Policy” portal? Policyholders can pay their bills, view and print Auto ID cards, sign up for paperless billing, and track the status of a claim in real-time.
Can I get a discount for bundling? Yes! Celina offers significant “Multi-Policy” discounts when you combine your Home and Auto, or your Farm and Commercial policies.
How do I make a change to my Celina policy? To add a vehicle or change your coverage limits, you should contact your Ingram Insurance agent. We handle the paperwork to ensure the change is processed correctly with the carrier.
Why should I buy Celina through Ingram Insurance instead of online? Insurance is complex. As your agent and advocate, Ingram Insurance helps you navigate Celina’s unique “industry programs” to make sure you aren’t paying for coverage you don’t need, while ensuring no dangerous gaps exist in your protection.