The Frost Insurance Agency has been an independent insurance agency since 1945. We are located in Northwest Ohio with offices at 120 Railway Avenue, Holgate and 620 Scott Street, Napoleon. We have a dedicated staff which includes 4 producers, a certified health care reform agent, an office manager, 8 customer service representatives and 3 administrative assistants. We are able to help you analyze your situation and provide recommendations to properly insure your property and protect your assets. We offer a full line of coverage for your business, farm, home and automobiles as well as other lines of insurance including life, health and disability. As an added service, we have entered into a friendly alliance with Steve Small of Northwest Capital Financial Group, LLC. Steve is a FINRA-registered investment representative who provides investment management and financial planning services through LPL Financial, a registered investment advisor. LPL Financial is not affiliated with Frost Insurance Agency, Inc.

Napoleon office

Napoleon 419-592-4476
Hours: Mon, Tues, Thurs, Fri 9-5
Wed, Sat 9-Noon

OHIEX Holgate office

Holgate 419-264-2051
Hours: Mon, Tues, Wed, Fri 9-5
Thurs, Sat 9-Noon

What type of insurance should you have? How much coverage do you need? What is Health Care Reform and does it impact you? These can be tough questions. You certainly don’t want to pay more than you have to but you also can’t afford to be caught without adequate protection. Accidents, fires and other unexpected trouble comes when you least expect them. As a result, those who are underinsured or not prepared can become financially strapped or economically ruined.

As an independent insurance agency, Frost Insurance is able to shop the insurance market to find the best coverage at the right price. Our life and health department is here to keep you up to date on the latest health care reform issues. We pride ourselves in home town friendly service. We truly get to know our customers as well as educate them about the value of insurance planning.