Comprised of Service, Security, Strength and Independence.

BCA Insurance Group emphasizes an all-in effort to bring the best insurance options to customers at all times.

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Our Insurance Solutions

BCA Insurance Group offers personal insurance, business insurance and employee benefits.

From auto insurance to home insurance, we’re in the business of helping people protect what they value most.

Our insurance advisors can help you identify gaps in coverage and look for ways to save money and keep your assets protected.

We’ll help you stay on top of regulations and economic trends and focus on recruiting and retaining the best employees.

Personal Insurance

Our goal is to protect you from the unexpected through top quality insurance coverage.

Business Insurance

We’ll help your business develop creative, comprehensive and cost-effective solutions.

Employee Benefits

Get an employee benefits program that works both for your company and employees.

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About BCA Insurance Group

BCA Insurance derived from a merge in 2001 when owners and managers Kevin Carmony and Kathy Williams collided on similar desires to expand their property and casualty operations and independent insurance offerings. This merger has grown to 20-plus carriers for property and casualty and more than 50 carriers for life insurance. All partnerships offering the best-in-class options in personal insurance, business insurance and employee benefits coverage. They even provide comprehensive insurance planning and consulting for business owners.

BCA Insurance is proudly offering clients the convenience of two locations; an office in Perrysburg, OH and an office in Temperance MI. This addition allows BCA Insurance to provide their standard of excellent products and services in the Southeastern part of Michigan as well as all of Ohio.

About Our Agency

Agency Awards and Accomplishments

Received the Founder’s Award from President’s Club for home and auto insurance

Recently named a Top 10 agency in Northwest Ohio by SIAA

Received Regional Founder’s Award for an agency

Received the District Life Insurance Production Award

“Our vision is to provide quality coverages and service for our clients at all times with the utmost of integrity,” said the partners. “We strive to make a difference in the lives of our customers, which is why we consistently add new carriers to our portfolio of offerings while creating maximum value for our customers at all times”.

– Ms. Williams and Mr. Carmony

Visit Our Locations

Perrysburg, OH Office

28350 Kensington Lane, Suite 100
Perrysburg, OH 43551

Temperance, MI Office

7433 Jackman Road
Temperance, MI 48182

Also providing coverage through other areas of Ohio, including Sylvania, Whitehouse/Waterville, Ottawa Hills and Southeast, MI.

Hear From Our Customers

Kyle Ganss at BCA Insurance Group has come through for us time and time again with quality solutions that are competitively priced. Kyle also takes out the leg work that we would otherwise have to do!

Mike and Lori S.

Kathy Williams has been my property and casualty insurance agent for more than four years. She has insured my home and two automobiles and always provides phenomenal service at an unbelievable price.

Jonathan H.
There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Personal InsuranceBusiness InsuranceEmployee Benefits
Life

Providing for Your Family

Risk Factor

Raising a child is a rewarding and important life experience. It is also very expensive. The average cost of raising a child, born in 2013, to age 18 is more than $300,000. If you were to die tomorrow, would your spouse be able to provide food, clothes, daycare, and eventually college tuition for your child? In 2013, the average cost of tuition, fees, room and board for a private college was $41,412 per year.

Solution

Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there would be enough income to help pay for everything your child could need while growing up.

Mortgage Payments

Risk Factor

After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a widow or widower to carry.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home and car(s).

Auto Payments

Risk Factor

Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).

Funeral Costs

Risk Factor

The average funeral costs about $10,000. That high price is for standard things, not unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?

Solution

A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Protecting Your Retirement Savings

Risk Factor

Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security benefits.

Solution

Life insurance can help support a surviving spouse during his or her retirement.

Protecting Your Small Business

Risk Factor

If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.

Solution

A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.

Spousal Support / Income Replacement

Risk Factor

Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.

Solution

Life insurance can replace the income you would usually bring in and help support your spouse or adult children. Keeping your loved ones living in the way they are accustomed to is an important thing to think about.

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