West Jefferson


Business Insurance

As a business owner, you may find yourself asking the question “how much coverage is enough in today’s highly litigious society?” As our world becomes increasingly complex, the risks your business faces on a daily basis are changing as well. Shouldn’t your insurance keep pace with these changes so you can focus on what you do best?

business insurance

Builders Risk Insurance

In Ohio, Builder’s Risk Insurance is designed to protect buildings while they’re under construction. Once a building is complete, it’s normal for the owner of that structure to insure it against losses such as fire, wind and lightning damage. However, during the course of construction, who should insure the building? The future owner, even though [...]

Business Income Insurance

What Ohio business owners need to know: Business Income Insurance, also referred to as Business Interruption Insurance, is designed to cover the loss of income a business suffers after a disaster. It’s important to note that whatever disaster causes the business to lose income must be a covered claim before Business Income Insurance will respond. [...]

Business Liability Insurance

In Ohio, Business Liability Insurance forms the foundation of protection for most businesses and their insurance portfolio. This policy, often referred to as Commercial General Liability Insurance, or just General Liability (GL for short) protects businesses from most liability exposures, with the exception of auto and professional services. Nearly every business faces the risk of [...]

Business Owners Insurance

Business Owners Insurance, or BOP (short for Business Owners Policy), is specially designed for small to medium-sized businesses in Ohio. One of the most attractive features of this policy is the fact that it combines property and liability coverage together on one policy form, often resulting in a more cost-effective premium. Typically, these two coverages [...]

Commercial Auto Insurance

Commercial Auto Insurance can be used to insure vehicles for liability to protect the business owner in the event of an at-fault accident, physical damage to the vehicles owned by the business, or both. With the exception of auto dealerships, auto repair operations, trucking firms or other auto-related businesses, Commercial Auto Insurance addresses the needs [...]

Commercial Package Policy

One size does not fit all, and this couldn’t be truer in the Ohio insurance market. Since each business is unique and has individual needs and desires regarding their insurance protection, the Commercial Package Policy is available. This policy was designed to afford business owners the opportunity to select from a suite of coverage options [...]

Commercial Property Insurance

Weather is hugely unpredictable in Ohio; we’ve had our share of catastrophes from hail events to the aftermath of hurricanes that made their way through The Buckeye State leaving a path of wreckage. When fire, theft, wind, hail, lightning or other disaster strikes your business, you need to be prepared. The time to act is [...]

Commercial Surety Bond

Bonding needs in Ohio typically fall into several categories. Surety bonds needed by contractors in order to successfully win the desired project; commercial bonds that protect consumers from financial harm (license & permit bonds, public official bonds); and fidelity bonds, which function more like an insurance policy because they’re designed to protect the business from [...]

Commercial Umbrella Insurance

As an Ohio business owner, if protecting your organization from a potentially ruinous claim or lawsuit is one of your top priorities, you need to understand how an Umbrella Policy works. Most commonly, these policies provide coverage above & beyond that which is provided by your other liability policies (think Business Liability and Auto Liability). [...]

Crime Insurance

As most Ohio business owners know, the risks facing your business seem to be increasing… almost on a daily basis. If crime exposures aren’t on your mind, here’s why they should be. Crime is a simple word for a multitude of dishonest acts, and you need to be prepared. Crimes can range from a simple [...]

Cyber Liability Insurance

Do you know the most popular password on the internet? Would you believe it’s Password123? Just the thought of a breach of the personal information stored for clients or employees is so overwhelming, many business owners choose to ignore the risks and consequences. Don't wait until it's too late, there is much you can do [...]

Employers Liability Insurance

In most states, Employer’s Liability Insurance and Workers’ Compensation Insurance work hand-in-hand. However, in Ohio, business owners that have any employees are required to purchase workers’ compensation insurance from the Ohio Bureau of Workers’ Compensation. Employer’s Liability Insurance is purchased separately, often along with the General Liability policy. This coverage protects the business from a [...]

Directors and Officers Insurance

In Ohio, Directors & Officers Liability Insurance (sometimes referred to as D&O Insurance) is designed to protect the directors and officers of an organization. In addition, D&O insurance can also help protect the organization in the event of a lawsuit. Directors and Officers liability insurance is like professional liability insurance. It covers managerial decisions, not [...]

Employee Benefits Liability Insurance

Ohio business owners can be liable to their employees for errors or omissions in the administration of their employee benefits program. Even small clerical errors, such as failing to enroll a new employee in the company-sponsored health plan, can have severe consequences. These types of claims are not covered by an unendorsed Business Liability Insurance. [...]

Equipment Breakdown Insurance

Ohio businesses are increasingly dependent on functioning equipment to operate and maintain revenue, and a breakdown could be devastating. The threat of breakdown is increasingly prevalent because technologically advanced equipment tends to be sensitive and fragile, and can easily sustain damage that causes a breakdown. And the losses sustained continue to increase with the rise [...]

Employment Practices Liability Insurance (EPLI)

In Ohio, employees have certain legal rights while working for their employer and sometimes, an employee feels these rights have been violated. If the employee files a lawsuit alleging things such as sexual harassment, discrimination, wrongful termination or breach of an employment contract, Employment Practices Liability Insurance can help protect the financial assets of the [...]

Environmental & Pollution Insurance

Businesses face new and historical environmental pollution exposures that can damage property and company reputations. Whether the damage is sudden or gradually occurs over time, no business can risk being inadequately protected against environmental threats. Almost every business deals with pollutants of some kind, especially when you consider that the term “pollutant” covers such a [...]

Event Insurance

Let’s face it, we live in an unpredictable world. Things happen, and when they do, our plans can change. When you’re the one responsible for ensuring everything goes according to that plan, changes can cause stress… and a negative financial impact… which causes even more stress. Relax! We can help. Whether it’s liability coverage for [...]

Farm Insurance

Farm Insurance in Ohio can provide you with protection for your personal and business needs. A farm is often more than just a place of operation, it may also be your home. No matter what your unique needs are, CoverLink has the coverage for you. Farm Insurance Needs Whether you raise crops, livestock, rent, or [...]

Flood Insurance for Businesses

If your business is on the Ohio River, or near any body of water for that matter, chances are you’ve researched flood insurance… or at least thought about it at some point because you’re in a high hazard area that’s prone to flooding. But did you know that nearly 20% of flood insurance claims come [...]

Garagekeepers Liability Insurance

When you drop off your car at an auto repair garage, you not only expect it to be fixed, but you expect it to remain safe while in the custody of the business. A general liability policy does not cover damage to vehicles that do not belong to the insured party. This is where garagekeepers [...]

Inland Marine Insurance

You wouldn’t think of Marine Insurance being very valuable in landlocked Ohio, but the term has been used for years to describe certain types of property that are moveable – yes, dating back to the days where this property was moved overseas.  Today, Inland Marine Insurance is a hugely broad category used to insure contractor’s [...]

Landscape Insurance

Ohio landscape insurance is necessary for businesses for protection against risks in the event of property damage, accidents, and more. Liability insurance for landscapers will give you and your workers the security you need. Why Purchase Landscape Insurance? Landscape insurance is one way for you to get the liability and protection you need for your [...]

Professional Liability Insurance

In Ohio, Professional Liability Insurance, also known as Errors & Omissions (E&O) Insurance, is liability insurance designed to protect those individuals and businesses providing professional advice. In the insurance world, Business Liability Insurance exists to pay for bodily harm or property damage a business is responsible for causing while Professional Liability is protection in the [...]

Workers’ Compensation Insurance

In Ohio, Workers’ Compensation Insurance must be obtained from the Bureau of Workers’ Compensation instead of from the insurance company where you purchase your Business Liability, Auto Liability and other insurance policies. The premise of Workers’ Compensation insurance is to reimburse the injured employee for lost wages and medical expenses resulting from an on-the-job injury [...]

Let's Talk About Your Needs


Tom Simon

Tom Simon

Chairman of the Board

Tom has worked in the insurance industry since 1977 holding numerous positions from Account Executive and Agency Manager, President to his current role. He combines his unique ability of thinking differently with his wealth of insurance and business experience to propel CoverLink to new levels of success.

In his spare time, he enjoys spending time with his family, especially his grandkids. In addition, he’s also an avid woodsman… yes, you read that correctly. He can often be found yelling “timber” or just splitting firewood for family and friends.



Matt Simon


Prior to joining the team at CoverLink in 2006, Matt worked as an Underwriter with a multi-state insurance company located in Columbus, Ohio. Matt is a Certified Insurance Counselor (CIC) and Chartered Property and Casualty Underwriter (CPCU), having successfully completed the rigorous coursework and exams to earn these designations.

He also serves on the Board of Directors for the Ohio Insurance Agents Association and the Associated Risk Managers of Ohio, in addition to volunteering his time to multiple other community and industry organizations.

In 2013, Matt was awarded and recognized as the National Young Insurance Agent of the Year, and in 2019 he was recognized as the Insurance Advisor of the year by Finance Monthly.


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Gina Loehr

Gina Loehr

Senior Account Manager

Gina oversees the Commercial Lines division at CoverLink, which is responsible for managing the business insurance needs for clients.

She has worked in the insurance industry since 1980, beginning as a Commercial Underwriter with a regional company located in Springfield, Ohio.

In 1984, she earned her Certificate in General Insurance, and in 1995, her Accredited Advisor of Insurance designation.

In her spare time, she enjoys spending time with her family, including four grandkids, and biking.


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Kyle Carper

Account Manager

Kyle joined the CoverLink team in 2018 as in intern when he was a junior in high school. Shortly after, he began studying to obtain his insurance license, which he passed in 2020 and joined our Personal Lines division.

Kyle helps individuals and families with their home, auto, umbrella and other personal insurance needs, which he thoroughly enjoys.

In his spare time, he enjoys spending time with the ones he loves, watching sports and playing video games.


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Tim O’Rielley

Senior Insurance Advisor

Tim works with individuals, families and businesses to design insurance policies perfectly suited to their specific needs.

He has been working in the insurance industry, and with CoverLink, since 1993. As a lifelong resident of Logan County, he’s been involved with a number of community organizations, often taking the leadership role such as President of the Chamber of Commerce, and the United Way.

He’s often found spending as much time as possible with his two daughters, and his grandkids


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Mark Osborne

Account Executive

Mark has worked at CoverLink since 2004. He specializes in life and health insurance, where he utilizes his extensive knowledge to help clients make sense of a confusing and ever changing market.

He also holds the Property & Casualty Insurance License, and often helps families as well as small businesses to set up their insurance protection plan.

Mark graciously volunteers his time to several community organizations, and enjoys spending his free time with his family


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Leah Loehr

Account Manager

Leah joined the Commercial Lines division at CoverLink in 2012 where she works closely with business owners on their Commercial Insurance needs to help them achieve their desired level of protection.

Leah is known for her outgoing personality, positive attitude, and relentless pursuit of the goals she sets out to achieve. Clients often rave about her and the service she provides.

In her spare time, Leah enjoys spending time with her family and friends… and she can often be found at the closest Buffalo Wild Wings!


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Larry Middaugh

Larry Middaugh, PLCS

Senior Insurance Advisor

Larry joined CoverLink with an extensive background in sales, bringing over 30 years of experience and commitment to taking care of his clients in the banking and mortgage industry.

Larry’s dedication to his clients aligned so well with the CoverLink tradition of relentlessly caring for, and protecting its clients, that he joined the team of Licensed Insurance Advisors in 2015.

Those in need of Personal or Business Insurance are delighted after working with Larry.

Larry defines success as knowing his purpose in life, continuing to grow to reach his fullest potential and sowing seeds that benefit others. He’s a father of three incredible children and husband to an amazing, kind and loving wife.


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Tony Fink

Tony Fink, CIC, CLCS

Insurance Advisor

Tony is responsible for serving the needs of individuals and businesses looking for property & casualty insurance. In addition, he’s licensed and capable of advising clients that desire life insurance protection.

He’s a Certified Insurance Counselor (CIC) and a Commercial Lines Coverage Specialist (CLCS), having successfully completed the rigorous coursework and exams to earn these designations.

Tony entered the insurance industry in 2008 bringing a diverse background of experience and knowledge to his Account Executive position with CoverLink.

In his free time, Tony enjoys spending time with his family, being outdoors, following sports and listening to music.


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Meg Barton

Meg Barton

Senior Account Manager

Meg works in the Commercial Lines division at CoverLink as an Account Manager, where she helps businesses with their varying & complex insurance needs, from Business Auto to Commercial Liability, Directors & Officers to Commercial Property.

Meg earned her Bachelor’s degree in Business Management from Urbana University in Ohio. She has been active in the insurance industry since 2006, and is an Ohio Notary.

In her spare time, Meg enjoys spending time with her family at Indian Lake, listening to live music and reading.


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Jordan Springs

Jordan Springs

Account Manager

Jordan joined the CoverLink team in 2017, bringing top-notch client service skills acquired through several years in the banking industry.

She’s constantly assisting and advising clients on their personal insurance needs – home, auto, jewelry, umbrella and other policies – not to mention, she’s just plain fun to be around!

In her spare time, Jordan enjoys spending time with family and friends, especially her husband and two kids.


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Jill Rawlins

Jill Rawlins

Account Manager

Jill works in the Personal Lines Department where she helps individuals and families with their Home, Auto, Umbrella and other personal insurance needs.

She graduated with her Bachelor’s Degree in 2009 from Otterbein University, and shortly after began her career in the insurance industry.

In addition to holding the Ohio Property & Casualty Insurance License, she also has her Accident & Health, Life and Variable licenses.

Jill enjoys spending as much time as she can with her family, and especially enjoys being with her little girl who makes her laugh often.


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Chris Badenhop

Chris Badenhop

Insurance Advisor

Chris joined the CoverLink team in 2017 with a diverse and exciting professional and educational background. He works with individuals, families and businesses to find the ideal solution for their insurance needs.

He brings a positive attitude and a desire to help his clients in his position as an Insurance Advisor, but most importantly, he shares one of the most fundamental beliefs we hold dear within our organization: he cares. He cares about his clients, he cares about protecting all that’s important to them, and above all, he cares about doing what’s in the best interest of his clients. His enthusiasm and empathy set him apart, and he’s backed by the top-notch service provided at CoverLink, making him a tremendous asset to his clients. In short, Chris puts people before policies.

In his free time Chris enjoys spending time in the outdoors hunting and fishing. He’s also a passionate sports fan devoting support to all levels of play.


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Joe Cooney

Joe Cooney

Senior Insurance Advisor

When considering business insurance, contracts and requirements are often complex and confusing. As professional insurance agents, CoverLink is in a position to help. We’ll help you secure the right business insurance at the right price so you can enjoy the security and peace-of-mind you deserve, and spend time focusing on your business and not your insurance.


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Kelli Young

Kelli Young

Director of Marketing

Kelli brings extensive marketing expertise to CoverLink after spending nine years in the automotive industry, where she gained valuable insight in the areas of design, digital presence, and content creation.

After joining CoverLink in 2015, her focus has been on telling the story of our long standing belief, that people are more important than policies, in a fresh way with a digital twist, allowing consumers who believe what we believe to find us easier.

Kelli graduated from Ohio University in 2006 with a Bachelor’s Degree in Communications, and earned her Master’s Degree in Business from Ashland University in 2010.

She enjoys spending time with her family, especially being outside with her son and two daughters.


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Jami Rader

Director of First Impressions

As the Director of First Impressions, Jami brings top-notch client service skills. She’s constantly assisting clients with billing inquiries, working to resolve any frustrating issues they’re having, and she’s just plain fun to be around!

In her spare time, Jami enjoys spending time with family, especially her husband and four children and going on four-wheeling trips together.

Erika Asher

Account Manager

Erika works in the Commercial Lines division at CoverLink as an Account Manager, where she helps businesses with their varying & complex insurance needs, from Business Auto to Commercial Liability, Directors & Officers to Commercial Property.

In her spare time, Erika enjoys hiking, reading, and spending time with her son.



Erin Whitaker

Account Manager

Erin joined the Personal Lines division at CoverLink in 2019, as an Account Manager, where she helps individuals and families with their Home, Auto, Umbrella and other personal insurance.

She previously worked in the healthcare industry before getting her insurance license in November of 2018.

When Erin isn’t at work, you can find her cheering on her kids at various sporting events almost every day of the week. In addition, she enjoys planting flowers, finding rusty items to decorate with and spending as much time with her family as possible.

Alissa Grim

Alissa Grim

Account Manager

Alissa works as an Account Manager where she helps individuals and families find the insurance that best fits their needs.

In addition to earning her Ohio Property & Casualty Insurance license in 2008, Alissa received her Life Insurance License in 2010.

In her spare time, Alissa enjoys spending time with her family camping, and watching her son race go karts around the U.S.

Vickie Allen

Vickie Allen

Account Manager

Vickie has worked at CoverLink since 2000 helping clients with a diverse set of needs, from securing the coverage that’s best for their individual situation, to providing guidance when claims or billing questions arise.

Vickie currently holds the Ohio Property & Casualty Insurance License, and is well known to clients because of her infectious personality and radiant smile that greets them when visiting the office.

In her spare time she enjoys spending time with family and friends, and traveling.

Randy Leopard

Randy Leopard

Vice President

Randy began his insurance career in 2000 working with both personal and business clients on their health insurance needs.  In 2008, he expanded his area of focus to include all types of insurance his clients needed from home & auto insurance, business insurance and farm insurance.

Randy resides in Urbana where he enjoys spending time with his family, and watching his horses race from time to time.

Melodi Wilkins

Melodi Wilkins

Senior Account Manager

Melodi has called CoverLink her ‘work home’ since 2009.  In her position as a Senior Account Manager, she works closely with clients needing home, condo, renters, auto, umbrella and other types of personal insurance coverage. Melodi also provides service and assistance to businesses regarding their insurance protection needs.

In her spare time, Melodi enjoys being outside and spending time with her family, especially with her granddaughter.

Morgan Edwards

Morgan Edwards

Account Manager

Morgan joined the CoverLink family in 2019, as an Account Manager. She helps her clients with personal insurance needs such as, home, condo, renters, auto umbrella and more. In addition, she works closely with business owners on their Commercial Insurance needs to help them achieve their desired level of protection.

In her spare time, Morgan enjoys spending time with her family and friends, making memories and enjoying all that life has to offer!

Sam Ankrom

Insurance Advisor

Sam joined the Coverlink team in 2020 with a strong passion and drive to help people. As an insurance Advisor with his Property & Casualty license, he assists individuals and business with all of their insurance needs.

He is dedicated to going above and beyond for his clients and wants to make sure every client is not only properly insured, but can also feel like a part of the Coverlink family. Sam is committed to helping everyone feel confident and comfortable with their insurance decisions and have the peace of mind knowing they are taken care of by not only himself, but by the entire Coverlink team.

Outside of work you can usually find Sam spending time with friends and family, or outside on the golf course.

Jeff Graves

Insurance Advisor

Jeff, from Jeff Graves Insurance joined the Coverlink team in 2020 after 29 years of being an exclusive Nationwide agent in Urbana. Jeff brings a great deal of knowledge and experience within the insurance industry and we are so pleased to have him.

Outside of work Jeff enjoys spending time with family, woodworking and watching Ohio State football.

Annette Stutz

Account Manager

Annette joined the CoverLink team in 2020, but has been working in the insurance industry for 32 years.

In her spare time, Annette enjoys spending time with her family and friends and loves going on hikes.