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Sphere Insurance Group

At Sphere Insurance Group, we protect our clients. Our team of young, dynamic professionals share a like-minded work ethic and an enthusiastic understanding of the complexities that surround the insurance industry. By providing unparalleled customer service and genuine care for the communities within which we work, we can meet the unique needs of businesses and homeowners alike. Through our dedication to advocating for our clients and our passion for delivering excellence 100 percent of the time, we remain committed to achieving our vision of becoming your chosen insurance solutions provider. We service Ohio, Indiana, Kentucky, West Virginia, Tennessee and North Carolina. We offer home, renters, auto, business, commercial auto and more!


Loveland, Ohio

Office Hours

  • Monday 09:00 AM - 05:00 PM
  • Tuesday 09:00 AM - 05:00 PM
  • Wednesday 09:00 AM - 05:00 PM
  • Thursday 09:00 AM - 05:00 PM
  • Friday 09:00 AM - 05:00 PM
  • Saturday Closed
  • Sunday Closed

Why our clients choose us

“Zach has been our insurance agent for almost 2 years. Through new cars, home sales, and marriage he has kept our policies up to date and at prices that beat our previous company. He is always available, and has great connections for anything you might need! I highly recommend him to my friends and family”
“Marisa is so helpful and knowledgeable when it came to helping me understand my insurance needs. She is personable and super fast with helping get my insurance in place!”
“Without the expertise of Sphere Insurance Group we wouldn’t have found the right policy for our business. Sphere Insurance Group ensured we were fully covered and protected, keeping our best interest at the forefront.”

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.

Agents & Brokers

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Small Businesses

Policyholder Help Center

At Coterie, we are putting relationships at the forefront of small business insurance.

If you have any questions, Contact Us Today!