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Frances M. Zettl, AAI, CIC


Property & Casualty Insurance Agent


Advocating for clients to protect their most precious assets since 1981

We specialize in providing quality personal, commercial, and benefit insurance programs to clients all over the world. As a partner in one of the largest locally-owned insurance agencies in the Midwest, we pride ourselves on providing personal service and care.

Our mission is to meet the needs of clients first and foremost. Insurance is a relationship business, and we value and respect our clients by ensuring that we offer the best coverage at the most affordable pricing. We excel in customizing comprehensive personal and business insurance programs, risk management programs, as well as providing solutions for your individual or business healthcare needs.

With a wide variety of insurance markets, we can tailor the best fit for your insurance needs. Aside from great coverage and affordable pricing, our goal is to provide our clients with the individual attention and exemplary service often not found in the current insurance industry.

Whether you’re an individual or a business seeking some form of insurance, we have a process that coincides and relates to all aspects.

This is our process no matter what coverage you may desire:

  1. Listen
  2. Develop Strategies/Solutions for your needs
  3. Implement & Communicate
  4. Educate & Monitor



900 Hanna Building
1422 Euclid Avenue
Cleveland, Ohio 44115

(216) 696-3739


Areas of Service


Liability insurance is one of the most important policies a person or business can purchase. This policy provides financial protection and legal defense in the event you are sued for bodily injury or property damages. Accidents can happen at any time. Being caught without liability insurance can be both financially devastating and illegal.


Every business is unique, and so are your protection needs. With a comprehensive and customized business-owner package, you can cover your business, your property, your fleet, and your clients.


Property Insurance protects your tangible assets such as a building, furniture, fixtures, machinery and equipment. There are many coverage forms available. Some of the most important and under-appreciated elements of a commercial real estate lease are the insurance requirements.


Protect your business from defending and paying for judgments resulting from alleged wrongful acts, mistakes, errors or omissions. Protect your board members against suits brought by members or shareholders for alleged acts of negligence, mistakes or errors.


Nearly all companies store sensitive customer and business data such as email addresses, phone numbers, Social Security numbers, medical info, proprietary business and tax info. As technology increases, the risk of a breach  increases as well. Ensure you’re properly covered. 


Designed to help protect you from major claims and lawsuits above and beyond the limits of your current policies, it helps protect your assets and your future. This protection is designed to kick in when the liability on these other policies has been exhausted, and provides coverage for claims that may be excluded by other liability policies.



Let's Chat.

Use the form below to tell us about your coverage inquiry, and we’ll call you back to schedule an appointment. Please be as detailed as possible. Include what industry you need service for along with any specific coverage requests. To help us best serve your inquiry, we recommend that you first describe the issue you’re having before telling us what you want to achieve.

You may also email or call us to make an appointment.

Our general response time is one business day.

Name *
Please do not include confidential or sensitive information in your message. In the event that we are representing a party with opposing interests to your own, we may have a duty to disclose any information you provide to our client.