Urbana Office

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Personal Insurance

All too often, individuals and families are not adequately protected or properly prepared at the time of a loss. Some studies estimate that over 70% of American homes are underinsured. Learn more about how you can protect you and your family thanks to some of the coverages we propose below.

personal insurance

Auto Insurance

Auto Insurance is often thought to be a commodity; nothing could be further from the truth. Hundreds of insurance companies provide auto insurance to consumers, and each has its own unique coverages. More importantly, each has its own exclusions – meaning the types of claims they won’t pay for. Now more than ever, you need [...]

Boat Insurance

Many Ohio consumers make the mistake of believing their boat, and their liability for injuries to others while operating their boat, are covered by their homeowners or renters policy. While there are limited situations where damage to your boat might be covered by your homeowners policy, you would be best served to speak with an [...]

Condo Insurance

Ohio condo owners have a specific insurance policy that was designed just for their needs. It’s commonly referred to as a Condo Insurance Policy, or as an HO 6 in insurance lingo. As a condo owner, you have unique needs that differ from a renter and you need a policy to meet those needs. Insurance [...]

Disability Insurance

The purpose of Disability Income Insurance is to provide financial resources to you if you become sick or injured, and cannot work for a period of time. Have you ever thought about what would happen to your family if you were seriously injured? Your family’s financial survival is at risk without a paycheck. If you're [...]

Flood Insurance

Flood Insurance in Ohio is a relatively simple policy; it only provides coverage for losses resulting from a flood. Nationwide, it’s estimated that only 20% of American homes at risk of a flood actually have flood insurance. Potentially more alarming is that according to The National Flood Insurance Program, nearly 20% of flood insurance claims [...]

Homeowners Insurance

Homeowners Insurance in Ohio provides two broad categories of coverage. First, it protects your physical possessions such as your house and your contents. The second type of coverage provided is referred to as liability coverage, which is insurance lingo for saying your policy can protect you for claims made against you by a third party [...]

Individual Health Insurance

Ohio consumers are facing a challenge when it comes to their healthcare. With the drastically escalating cost of healthcare expenses, the thought of tackling the issue without health insurance can seem overwhelming. On the other hand, the rising cost of health insurance can make the purchase nearly impossible. But don’t give up, there are solutions… [...]

Jewelry Insurance

Jewelry Insurance in Ohio is sometimes referred to as Inland Marine coverage, or even a jewelry floater. While terminology can vary, the desired result is the same: to protect high-value items easily susceptible to theft, disappearance or destruction. Since jewelry is highly portable, and can have a significant value depending on the specific item, it’s [...]

Life Insurance

Life Insurance is often referred to as final expense insurance. However, there are numerous types of life insurance, and many different uses for life insurance. Life insurance is a simple concept - you buy a policy that pays to your beneficiary or beneficiaries when you die - but the decisions of what kind of life [...]

Motorcycle Insurance

Insuring your motorcycle in Ohio is simple, whether you’re riding a sport bike, big cruiser or custom bike. The key is to make sure you’re protected before you hit the road. It’s too easy to forget about your insurance when you’re caught up in the excitement on the first ride of the season after your [...]

Named Non-Owner Auto Insurance

Named Non-Owned Auto Insurance in Ohio fills a very specific need. For example, ever find yourself in a situation where you don’t actually own the vehicle you’re driving on a regular basis (perhaps your only vehicle is a company car)? If so, have you ever asked yourself the question what happens when I’m driving someone [...]

Personal Umbrella Insurance

Personal Umbrella Insurance in Ohio is critically important, yet remains one of the least understood of all insurance policies available. Umbrella policies are typically available in increments of $1 million, and are designed to provide coverage over and above that which is provided by other liability policies, such as home and auto insurance. And since [...]

Rental Dwelling Insurance

Rental Dwelling Insurance, often referred to as Landlord Insurance in Ohio, is a policy specifically designed to meet the needs of those who rent out a home they own. These policies typically cost more than a standard homeowners policy because landlords require more protection compared to an average homeowner. Rental dwelling insurance can appear to [...]

Renters Insurance

Renters Insurance in Ohio continues to be an overlooked, yet cost-effective option when it comes to protecting your personal belongings. In a recent study, only 37% of renters indicated they had Renters Insurance even though the cost of an average Renters Insurance policy has remained consistent over the past 10 years at roughly $200. It's [...]

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Tom Simon

Tom Simon

Chairman of the Board

Tom has worked in the insurance industry since 1977 holding numerous positions from Account Executive and Agency Manager, President to his current role. He combines his unique ability of thinking differently with his wealth of insurance and business experience to propel CoverLink to new levels of success.

In his spare time, he enjoys spending time with his family, especially his grandkids. In addition, he’s also an avid woodsman… yes, you read that correctly. He can often be found yelling “timber” or just splitting firewood for family and friends.

Matt Simon

Matt Simon

President

Prior to joining the team at CoverLink in 2006, Matt worked as an Underwriter with a multi-state insurance company located in Columbus, Ohio. Matt is a Certified Insurance Counselor (CIC) and Chartered Property and Casualty Underwriter (CPCU), having successfully completed the rigorous coursework and exams to earn these designations.

He also serves on the Board of Directors for the Ohio Insurance Agents Association and the Associated Risk Managers of Ohio, in addition to volunteering his time to multiple other community and industry organizations.

In 2013, Matt was awarded and recognized as the National Young Insurance Agent of the Year, and in 2019 he was recognized as the Insurance Advisor of the year by Finance Monthly.

Gina Loehr

Gina Loehr

Senior Account Manager

Gina oversees the Commercial Lines division at CoverLink, which is responsible for managing the business insurance needs for clients.

She has worked in the insurance industry since 1980, beginning as a Commercial Underwriter with a regional company located in Springfield, Ohio.

In 1984, she earned her Certificate in General Insurance, and in 1995, her Accredited Advisor of Insurance designation.

In her spare time, she enjoys spending time with her family, including four grandkids, and biking.

Marilyn Springs

Marilyn Springs

Senior Account Manager

Marilyn oversees the Personal Lines division at CoverLink, and helps individuals and families with their home, auto, umbrella and other personal insurance needs, which she thoroughly enjoys.

Marilyn has been active in the insurance industry since 1988 spending the majority of her time working in Personal Lines.

In her spare time, of which there is very little, she enjoys watching her granddaughter and grandson, and travelling as much as she can.

Tim O'Rielley

Tim O’Rielley

Senior Insurance Advisor

Tim works with individuals, families and businesses to design insurance policies perfectly suited to their specific needs.

He has been working in the insurance industry, and with CoverLink, since 1993. As a lifelong resident of Logan County, he’s been involved with a number of community organizations, often taking the leadership role such as President of the Chamber of Commerce, and the United Way.

He’s often found spending as much time as possible with his two daughters, and his grandkids.

Mark Osborne

Mark Osborne

Account Executive

Mark has worked at CoverLink since 2004. He specializes in life and health insurance, where he utilizes his extensive knowledge to help clients make sense of a confusing and ever changing market.

He also holds the Property & Casualty Insurance License, and often helps families as well as small businesses to set up their insurance protection plan.

Mark graciously volunteers his time to several community organizations, and enjoys spending his free time with his family.

Leah Loehr

Leah Loehr

Account Manager

Leah joined the Commercial Lines division at CoverLink in 2012 where she works closely with business owners on their Commercial Insurance needs to help them achieve their desired level of protection.

Leah is known for her outgoing personality, positive attitude, and relentless pursuit of the goals she sets out to achieve. Clients often rave about her and the service she provides.

In her spare time, Leah enjoys spending time with her family and friends… and she can often be found at the closest Buffalo Wild Wings!

Larry Middaugh

Larry Middaugh, PLCS

Senior Insurance Advisor

Larry joined CoverLink with an extensive background in sales, bringing over 30 years of experience and commitment to taking care of his clients in the banking and mortgage industry.

Larry’s dedication to his clients aligned so well with the CoverLink tradition of relentlessly caring for, and protecting its clients, that he joined the team of Licensed Insurance Advisors in 2015.

Those in need of Personal or Business Insurance are delighted after working with Larry.

Larry defines success as knowing his purpose in life, continuing to grow to reach his fullest potential and sowing seeds that benefit others. He’s a father of three incredible children and husband to an amazing, kind and loving wife.

Tony Fink

Tony Fink, CIC, CLCS

Insurance Advisor

Tony is responsible for serving the needs of individuals and businesses looking for property & casualty insurance. In addition, he’s licensed and capable of advising clients that desire life insurance protection.

He’s a Certified Insurance Counselor (CIC) and a Commercial Lines Coverage Specialist (CLCS), having successfully completed the rigorous coursework and exams to earn these designations.

Tony entered the insurance industry in 2008 bringing a diverse background of experience and knowledge to his Account Executive position with CoverLink.

In his free time, Tony enjoys spending time with his family, being outdoors, following sports and listening to music.

Meg Barton

Meg Barton

Senior Account Manager

Meg works in the Commercial Lines division at CoverLink as an Account Manager, where she helps businesses with their varying & complex insurance needs, from Business Auto to Commercial Liability, Directors & Officers to Commercial Property.

Meg earned her Bachelor’s degree in Business Management from Urbana University in Ohio. She has been active in the insurance industry since 2006, and is an Ohio Notary.

In her spare time, Meg enjoys spending time with her family at Indian Lake, listening to live music and reading.

Jordan Springs

Jordan Springs

Account Manager

Jordan joined the CoverLink team in 2017, bringing top-notch client service skills acquired through several years in the banking industry.

She’s constantly assisting and advising clients on their personal insurance needs – home, auto, jewelry, umbrella and other policies – not to mention, she’s just plain fun to be around!

In her spare time, Jordan enjoys spending time with family and friends, especially her husband and two kids.

Jill Rawlins

Jill Rawlins

Account Manager

Jill works in the Personal Lines Department where she helps individuals and families with their Home, Auto, Umbrella and other personal insurance needs.

She graduated with her Bachelor’s Degree in 2009 from Otterbein University, and shortly after began her career in the insurance industry.

In addition to holding the Ohio Property & Casualty Insurance License, she also has her Accident & Health, Life and Variable licenses.

Jill enjoys spending as much time as she can with her family, and especially enjoys being with her little girl who makes her laugh often.

Chris Badenhop

Chris Badenhop

Insurance Advisor

Chris joined the CoverLink team in 2017 with a diverse and exciting professional and educational background. He works with individuals, families and businesses to find the ideal solution for their insurance needs.

He brings a positive attitude and a desire to help his clients in his position as an Insurance Advisor, but most importantly, he shares one of the most fundamental beliefs we hold dear within our organization: he cares. He cares about his clients, he cares about protecting all that’s important to them, and above all, he cares about doing what’s in the best interest of his clients. His enthusiasm and empathy set him apart, and he’s backed by the top-notch service provided at CoverLink, making him a tremendous asset to his clients. In short, Chris puts people before policies.

In his free time Chris enjoys spending time in the outdoors hunting and fishing. He’s also a passionate sports fan devoting support to all levels of play.

Joe Cooney

Joe Cooney

Senior Insurance Advisor

When considering business insurance, contracts and requirements are often complex and confusing. As professional insurance agents, CoverLink is in a position to help. We’ll help you secure the right business insurance at the right price so you can enjoy the security and peace-of-mind you deserve, and spend time focusing on your business and not your insurance.

Kelli Young

Kelli Young

Director of Marketing

Kelli brings extensive marketing expertise to CoverLink after spending nine years in the automotive industry, where she gained valuable insight in the areas of design, digital presence, and content creation.

After joining CoverLink in 2015, her focus has been on telling the story of our long standing belief, that people are more important than policies, in a fresh way with a digital twist, allowing consumers who believe what we believe to find us easier.

Kelli graduated from Ohio University in 2006 with a Bachelor’s Degree in Communications, and earned her Master’s Degree in Business from Ashland University in 2010.

She enjoys spending time with her family, especially being outside with her son and two daughters.

Jami Radern

Jami Rader

Director of First Impressions

As the Director of First Impressions, Jami brings top-notch client service skills. She’s constantly assisting clients with billing inquiries, working to resolve any frustrating issues they’re having, and she’s just plain fun to be around!

In her spare time, Jami enjoys spending time with family, especially her husband and four children and going on four-wheeling trips together.

Erika Asher

Erika Asher

Account Manager

Erika works in the Commercial Lines division at CoverLink as an Account Manager, where she helps businesses with their varying & complex insurance needs, from Business Auto to Commercial Liability, Directors & Officers to Commercial Property.

In her spare time, Erika enjoys hiking, reading, and spending time with her son.

Erin Workman

Erin Workman

Account Manager

Erin joined the Personal Lines division at CoverLink in 2019, as an Account Manager, where she helps individuals and families with their Home, Auto, Umbrella and other personal insurance.

She previously worked in the healthcare industry before getting her insurance license in November of 2018.

When Erin isn’t at work, you can find her cheering on her kids at various sporting events almost every day of the week. In addition, she enjoys planting flowers, finding rusty items to decorate with and spending as much time with her family as possible.

Alissa Grim

Alissa Grim

Account Manager

Alissa works as an Account Manager where she helps individuals and families find the insurance that best fits their needs.

In addition to earning her Ohio Property & Casualty Insurance license in 2008, Alissa received her Life Insurance License in 2010.

In her spare time, Alissa enjoys spending time with her family camping, and watching her son race go karts around the U.S.

Vickie Allen

Vickie Allen

Account Manager

Vickie has worked at CoverLink since 2000 helping clients with a diverse set of needs, from securing the coverage that’s best for their individual situation, to providing guidance when claims or billing questions arise.

Vickie currently holds the Ohio Property & Casualty Insurance License, and is well known to clients because of her infectious personality and radiant smile that greets them when visiting the office.

In her spare time she enjoys spending time with family and friends, and traveling.

Randy Leopard

Randy Leopard

Vice President

Randy began his insurance career in 2000 working with both personal and business clients on their health insurance needs.  In 2008, he expanded his area of focus to include all types of insurance his clients needed from home & auto insurance to business insurance.

Randy resides in Urbana where he enjoys spending time with his family, and taking in a horse race from time to time.

Melodi Wilkins

Melodi Wilkins

Senior Account Manager

Melodi has called CoverLink her ‘work home’ since 2009.  In her position as a Senior Account Manager, she works closely with clients needing home, condo, renters, auto, umbrella and other types of personal insurance coverage. Melodi also provides service and assistance to businesses regarding their insurance protection needs.

In her spare time, Melodi enjoys being outside and spending time with her family, especially with her granddaughter.

Morgan Edwards

Morgan Edwards

Account Manager

Morgan joined the CoverLink family in 2019, as an Account Manager. She helps her clients with personal insurance needs such as, home, condo, renters, auto umbrella and more. In addition, she works closely with business owners on their Commercial Insurance needs to help them achieve their desired level of protection.

In her spare time, Morgan enjoys spending time with her family and friends, making memories and enjoying all that life has to offer!