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Transform Insurance

We are a family owned independent insurance agency, focused on all personal lines, Cyber risks, as well as business insurance. We go overboard to take care of your needs on a personal level and appreciate your loyalty.


27101 East Oviatt Road
Bay Village, Ohio 44140

Office Hours

  • Monday 08:30 AM - 04:30 PM
  • Tuesday 08:30 AM - 04:30 PM
  • Wednesday 08:30 AM - 04:30 PM
  • Thursday 08:30 AM - 04:30 PM
  • Friday 08:30 AM - 04:30 PM
  • Saturday Closed
  • Sunday Closed

Why our clients choose us

“Scott is a true professional and looks out for his clients. I've been using him for our personal insurance as well as business needs.”
“Scott is a fantastic insurance agent to work with - my husband and I can't say enough regarding how he explained all of our options and saved us money on our homeowners and auto insurance. Scott was patient when we had questions and never overbearing -- just clear and to the point -- and when we needed more time -- it was never a problem. Very professional....yet as we got to know him better...very personable as well. Kudos to Scott! A+”
“Scott is very knowledgeable in his field and has the ability to explain the technicalities of the insurance business without "talking down" to his clients. Scott is not only willing, but he encourages questions and his responses are virtually instant. If he doesn't have the answer immediately he will get it. Not only has Scott saved me money on my insurance he has seen to it that I have all of the coverages that I need and has advised me on those options that I don't need!”

We offer the following coverages for small businesses

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

Professional Liability Policy (PL)

Professional Liability (PL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

General Liability Insurance
Business Owners Policy
Professional Liability Insurance

Why we trust Coterie Insurance

Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
Construction Insurance: Why It's Important for Your Business
You have better things to think about than insurance

Through our partnership with Coterie Insurance, invest your time where it matters most — running your business — and enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

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If you have any questions, Contact Us Today!