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Helping You Reach Your Goals and Secure Your Future

At Gem-Young Insurance & Wealth Advisors, we believe in making a difference in our clients’ lives.

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Gem-Young Insurance & Wealth Advisors

Learn more about our agency.

Gem-Young Insurance & Financial Planners is a local, family-owned independent insurance and financial planning agency serving clients throughout Ohio and beyond. One of our major strengths is a client-centered team approach that recognizes that our reputation is based upon the success and satisfaction of our clientele. That’s why we make you our top priority, not the insurance company.

Since 1947, we’ve proudly been helping our community plan for their future by addressing the unique risks they face, finding them comprehensive insurance coverage, and guiding them through their financial goals. It may seem like a complicated and overwhelming process, but our experienced agents and advisors are here to guide you. Our goal is to help protect you from the unexpected and plan for the predictable all while securing your future.

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Open Enrollment October 15th to December 7th

It’s that time of the year with your mailbox and email inbox will be full of information about Medicare. Don’t get overwhelmed, let one of our Medicare team members help you!

Enroll Now

Panerathon 2024

Our team is participating in this event to raise funds for Joanie Abdu Comprehensive Breast Care Center. The event will take place on August 25th at the Covelli Center.

Join Our Team

The Solution to Your Insurance Needs

Providing a variety of personal insurance, business insurance, and employee benefits solutions is what Gem-Young Insurance & Wealth Advisors does best.

Personal Insurance

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Trusted advice and insurance solutions to protect what matters most.

Business Insurance

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Coverage and risk management solutions for companies of all sizes.

Employee Benefits

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Coverage that can help attract, retain, and protect your team.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

We represent multiple insurance companies.

We are licensed insurance advisors.

We are by your side every step of the way.

We offer a wide variety of insurance solutions.

Our Business Associations

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Real clients. Real reviews. Real coverage.

“Gem-Young has been easy to deal with and very helpful!”

– Alder T.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.

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. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
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 plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left 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.

Rental Coverage / Loss of Use
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.


Rental coverage/ loss of use 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.

Auto Insurance 101

Make sure you cover the unique risks you face with auto insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.

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Top-Tier Agency

We’ve been recognized by several insurance carriers as a top-tier agency, including 27+ years in the Grange Leadership Circle.


Our agency is owned by a second and third-generation family in the insurance and financial planning industry with deep community roots.

Experienced Agents

With over 74 years in business, we understand what it takes to bring you quality service and coverage to protect your future.

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As an independent agency, we are here to help you find the right coverage.

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