One Trusted Relationship for Every Insurance Decision
Personal and Business Insurance Services
Hettesheimer Insurance Agency has served Greater Cincinnati families and businesses for over 40 years. The same advisory standard that governs Scott's healthcare consulting work applies here: understand the risk first, then identify the coverage that addresses it. No product-first recommendations. No volume incentives from carriers.
Personal Insurance
Coverage for individuals and families, placed through independent carrier selection with no volume-based compensation.
Auto Insurance
Home Insurance
Life Insurance
Disability Income Insurance
Long-term care planning
Our People
Our clients value clarity over complexity and discipline over novelty. They seek a thoughtful partner to manage capital with care and perspective.
Business Insurance
For business owners and executives who want insurance advisory that starts with the business structure, not the product shelf.
Key person life insurance
Protects the business against the financial impact of losing an owner, partner, or essential executive. Coverage is sized to the actual replacement cost and revenue exposure, not a standard formula.
Buy-sell agreement funding
Buy-sell funding is a legal and financial planning decision first. Scott works from the agreement structure and ownership goals before any product is selected. The coverage executes the strategy.
Professional disability insurance
Group disability replaces 60% of salary. Own-occupation individual coverage protects what a physician, attorney, or executive actually earns — with benefit definitions and carrier selection built around income replacement adequacy, not the lowest available premium.
Ready to Talk Coverage?
Scott handles every inquiry personally — no call centers, no account managers. Whether you need personal coverage, business insurance, or both, reach him directly at
513-661-7581 or request a consultation.
