BNFS (Brand/Neer/Frantz/Stallsmith) Insurance

We believe people are more important than policies

And because we believe you’re more than just a policy, we pledge to treat you like a person. This is why 94% of our clients choose to stay with us year after year.

BNFS (Brand/Neer/Frantz/Stallsmith) Insurance

121 Miami Street
Urbana, OH  43078

Phone: (937) 653-7611
Fax: (937) 653-4457

Email: medwards@coverlink.com

Morgan Edwards

Account Manager


Looking to improve your existing
coverage? I’m here to help!

Call: (937) 653-7611

Obsessively protecting and caring for clients since 1921


What we believe…

Looking to find out who we are, not just what we do? Put simply, we care about people, not policies.

We care, deeply, about our clients.  We care about protecting everything that’s important to them.

We’re honored when clients like Mark Muirhead say “they’re the type of individuals you can count on, and who honestly care about their clients from a business and personal standpoint.”

At our most fundamental level, it’s about people, not policies. People have assets to protect and loved ones they care for. People have employees who depend on them and dreams to pursue.

We believe it’s our responsibility to safeguard the people we care about; a responsibility we take enormously seriously because at Fullerton Insurance, we care more.

This legacy of caring has resulted in 94% of our clients staying with us year after year.

Our History

Brand/Neer/Frantz/Stallsmith (BNFS) Insurance Agency opened in 1921 and has been in the same location in Urbana since its opening.

The agency began as Brand/Neer Company, which was a law firm and insurance agency.

In the 1940s Mr. Frantz started an insurance agency and real estate company. Then, in the early 1950s he hired Mr. Stallsmith as an agent and they became Frantz and Stallsmith.

In 1956 Brand/Neer Company merged with Frantz and Stallsmith, at which time they became known as Brand/Neer/Frantz/Stallsmith (BNFS). Then, in 1963 Stallsmith became sole owner.

In 1970, Charlie Havens began working at BNFS part-time and then moved on to become a claims adjuster in 1974. However, in 1977 Mr. Havens was asked to come back and join the firm as a partial owner. Mr. Havens purchased the remainder of the business in 1983 and became the sole owner.

In 2006 BNFS merged with CoverLink Insurance with a focus on creating, and maintaining, a legacy of always caring for its clients.

Coverlink Insurance

Personal
Insurance

Personal Insurance

Everyone should feel adequately prepared at the time of loss. Our personal insurance plans protect your most important assets.
Coverlink Insurance

Business
Insurance

Business Insurance

Businesses face unique risks and challenges that call for extra protection. Our coverages keep you on pace with the changing field.
Coverlink Insurance

Malpractice
Insurance

Malpractice Insurance

Medical professionals need specialized protection as they provide care and give advice to patients.
Coverlink Insurance

Health
Insurance

Health Insurance

You should never have to worry about what your insurance covers during a medical emergency. Our plans will meet your needs.

We Partner With Ohio’s Best Insurance Companies


We’re backed by Ohio’s strongest, most respected insurance companies, known for their innovative insurance products and outstanding claim service during your time of need.

Partner Insurance Companies include: Motorists Insurance, Cincinnati Insurance, Westfield Insurance, Auto Owners Insurance, Travelers, CNA, Chubb, Liberty Mutual, Safeco, Progressive, and more.

And because we believe people are more important than policies, we pride ourselves on working for our clients, and not for an insurance company.

What does this mean for you?

It means that no matter your insurance need, we can provide a solution.

Personal needs such as auto, home, rental properties, condo, motorcycle, umbrella or life insurance… we can help.

Businesses that need general liability, commercial auto, property, directors & officers, or professional liability… we’ve got you covered.

Need a highly specialized policy such as medical malpractice, lawyer’s errors & omissions or cyber & data breach liability… you guessed it, we’re here for you.


Auto Owners Insurance
Cincinnati Insurance
encova
Travelers Insurance
Westfield Insurance