Your Trusted Insurance Agency

Our West Chester, OH insurance agency serves Southwest Ohio, Indiana, Kentucky, and Tennessee.

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Comprehensive Insurance Solutions

New Horizon Insurance LLC offers personal insurance, business insurance and employee benefits.

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Personal Insurance

Our goal is to protect you from the unexpected through top quality insurance coverage that works for your family.

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Business Insurance

We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

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Employee Benefits

We can design an employee benefits program that makes sense for your company and your employees.

About New Horizon Insurance LLC

New Horizon Insurance is an independent insurance agency helping clients manage their risks. We do this by helping you find protective solutions for personal, business and employee benefits.

Our agents understand the local communities that we live and work in. We serve clients locally in West Chester, OH, as well as throughout Cincinnati, OH Dayton, OH, and Columbus, OH. We also serve the Tri-State area, including Indianapolis, IN, Louisville, KY, Nashville, TN, and Knoxville, TN. Because we understand and have the uptmost appreciation for our local region, we know how to custom tailor programs best to the surrounding environments, local businesses and residents.

We are independent, and that means our priority is you—not the insurance company. While we represent many different insurance companies, our goal is to deliver the right blend of price, coverage, and service.

More About Our Agency

Hear From Our Customers

Read amazing feedback from our customers.

The service and attention to detail are truly second to none. I highly recommend you contact this agency as soon as you can. You will not be disappointed!

Matt D.Home, Auto and Boat Owner

After checking with our usual insurance agents and getting nowhere, we gave Todd a call and he took the time to find just the right policy for us putting everyone in our company at ease.

Jeremy P.Partner Epipheo Studios
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Looking for Auto Insurance Coverage?

There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

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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. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.


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.


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.


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.

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.


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.

New Horizon Insurance LLC Client Portal

Manage your account with us quickly and easily!

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Insurance Quote Request

As an independent agency, we offer multiple options at competitive prices.

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