Frequently Asked Questions

MVR stands for Motor Vehicle Report, which serves as a driver’s official driving record. Insurance carriers use the MVR to review important vehicle events and driving history, including traffic citations, driver’s license suspensions, DUI convictions, and other moving violations. Williams & Case Insurance Agency reviews the MVR to secure the most accurate auto insurance quotes for our drivers.

A CLUE (Comprehensive Loss Underwriting Exchange) Report is a central insurance industry database that tracks a consumer’s past auto insurance and homeowners insurance claims. The CLUE Report includes comprehensive historical policy data and detailed claim information. Independent agencies like Williams & Case Insurance Agency use CLUE Reports to help insurance carriers evaluate past claims when pricing new auto or home insurance policies.

An Insurance Score is a highly accurate risk assessment tool used by insurance carriers to price homeowners and auto insurance policies. While an Insurance Score is largely based on personal credit history, running this score during the quoting process results in a “soft pull” and does not negatively impact a consumer’s credit report like applying for new credit would. Virtually every insurance company utilizes a proprietary model to calculate policy prices based on this insurance score. Williams & Case Insurance Agency only receives an insurance tier or numerical score from the carrier and never has direct access to a client’s personal credit records. Clients with excellent insurance scores are frequently rewarded with policy discounts.

Yes! Because Williams & Case Insurance Agency is an independent insurance broker, we compare auto insurance coverage options across multiple top-tier carriers. Each insurance company maintains different underwriting requirements, allowing us to find customized auto insurance policies for nearly every driving record and Motor Vehicle Report (MVR), even if a driver has previous traffic citations or accidents.

Yes! As an independent agency, Williams & Case Insurance Agency partners with numerous insurance carriers, each with distinct underwriting guidelines for past claims. In most cases, our agents can secure customized homeowners insurance or auto insurance policies tailored to accommodate previous vehicle accidents, property losses, or past claims listed on a CLUE Report.

In most cases, Williams & Case Insurance Agency can provide comprehensive homeowners insurance and auto insurance quotes in less than one business day. While special circumstances may take slightly longer to process, our local team is committed to delivering both fast and highly accurate insurance quotes tailored to each client’s specific needs.

Williams & Case Insurance Agency has proudly served the Sebring, Ohio community and surrounding regions for over 60 years. As an independent insurance agency, we write policies for many top-tier insurance carriers rather than just a single company. This independent broker advantage ensures our clients receive the best available pricing and customized coverage for their auto, home, and business insurance needs. We are deeply committed to policyholder satisfaction and doing everything possible to make sure our clients are properly protected.

Yes! The commercial insurance team at Williams & Case Insurance Agency processes Certificates of Insurance (COI) quickly so your business is not delayed on a job or contract. Simply provide our agency with the requesting party’s name, address, and the preferred method of delivery (such as fax, mail, or email), and Williams & Case Insurance Agency will promptly issue the required Certificate of Insurance.

Yes. Adding an additional insured to a commercial general liability or commercial auto insurance policy is a very common request. In most cases, insurance carriers apply a small additional premium charge for this endorsement. A business entity, general contractor, or client may request to be listed as an additional insured on your commercial policy for various liability reasons, including receiving automatic notifications from Williams & Case Insurance Agency if your commercial insurance policy is canceled or modified.

The state of Ohio operates as a monopolistic (or “captive”) state for workers’ compensation insurance. Because of this state regulation, Ohio businesses must secure primary workers’ compensation coverage directly through the state by calling the Ohio Bureau of Workers’ Compensation at 1-800-OHIO-BWC. This required state coverage protects both the business owner and employees in the event of a workplace injury. While Williams & Case Insurance Agency does not write the base workers’ compensation policy due to Ohio state laws, our commercial insurance agents can assist Northeast Ohio businesses in securing supplementary Employers’ Liability insurance to complete your comprehensive commercial coverage package.

Yes. Our coverage is flexible and works like an à la carte menu – you can choose to insure just one or two buildings, or combine them into a comprehensive multi-property policy.