Frequently Asked Questions - Hixson & Malinowski Insurance Agency

General Questions

Q: What types of insurance do you offer?
A: Hixson and Malinowski Insurance Agency offers a wide range of insurance solutions, including commercial insurance for industries like contractors and small businesses. We also provide personal insurance policies, including home, auto, and life insurance.

Q: How do I get a quote for insurance?
A: You can request a free quote by contacting us directly via phone, email, or through our website. Our team will assess your needs and provide a customized insurance solution tailored to your specific requirements.

Q: What makes Hixson and Malinowski different from other insurance agencies?
A: We pride ourselves on personalized service, competitive rates, and industry-specific expertise. Whether you’re a small business owner, contractor, or homeowner, we work closely with you to ensure you have the coverage you need.

Q: What locations do you serve?
A: We can write insurance for any person or business in Ohio or West Virginia. If you live outside our service area and would like to work with us, please contact us.

Business Insurance

Q: What insurance coverage do contractors need?
A: Contractors typically require general liability, workers' compensation, and commercial auto insurance. Depending on your trade, additional coverages such as tools and equipment insurance or builder’s risk insurance may be necessary.

Q: Can you help small businesses with industry-specific insurance needs?
A: Absolutely. We specialize in crafting insurance policies that meet the specific risks of your industry, whether you’re in retail, hospitality, construction, or another sector.

Claims and Policy Management

Q: How do I file an insurance claim?
A: To file a claim, contact us directly or use the claims hotline provided by your insurance carrier. We’ll guide you through the process and ensure your claim is handled promptly and fairly.

Q: Can I update my policy if my business grows or changes?
A: Yes, we recommend reviewing your policy annually or whenever significant changes occur in your business. This ensures your coverage keeps pace with your evolving needs.

Q: What happens if I miss a premium payment?
A: If you miss a payment, most policies have a grace period before coverage lapses. However, it’s important to contact us immediately to avoid any gaps in coverage.

Specialized Services

Q: Do you provide cyber liability insurance?
A: Yes, we offer cyber liability insurance to protect businesses from the financial impacts of data breaches, ransomware attacks, and other cyber threats.

Q: Can you assist with compliance requirements for liquor liability insurance?
A: Yes, if your business sells or serves alcohol, we can help you secure the required liquor liability insurance and ensure compliance with local regulations.

Q: Do you offer multi-policy discounts?
A: Yes, bundling multiple policies, such as commercial and personal insurance, can often result in significant savings. Contact us to learn about available discounts.

Our Carriers

Q: What insurance carriers do you work with?
A: At Hixson and Malinowski Insurance Agency, we partner with top carriers such as Erie, Nationwide, Allstate, Geico, and Progressive. In total, we can write business through over 100 companies, giving us a great chance to find savings for our clients. We also specialize in finding coverage for individuals or businesses that have had difficulty securing insurance elsewhere.

Contact and Support

Q: How can I reach Hixson and Malinowski Insurance Agency?
A: You can contact us by:

Q: Where is your agency located?
A: We have three office locations in Ohio. They are:

5530 State Rd, Unit 1, Parma, Ohio 44134

14729 Puritas Ave, Cleveland, Ohio 44135

323 Crescent St, Bellaire, Ohio 43906

Q: Do you offer consultations for new clients?
A: Yes, we provide free consultations to discuss your insurance needs and recommend the best policies for your situation.