Reducing Risks With Tailored Solutions

Helping you find the right insurance coverage since 1940.

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Sheward-Fulks Insurance Agency, Inc.

Learn more about our agency.

Sheward-Fulks Insurance Agency, Inc. was founded by Harry Sheward in 1940 with a single location in Jackson, OH. Today, current Owner Dan Fulks expanded the agency with a second office conveniently located in Portsmouth, OH, and with knowledgeable agents available to assist you.

At Sheward-Fulks, our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. We take pride in putting the client’s needs first while serving with the utmost honesty and integrity. By taking a client-oriented approach to insurance, we go the extra mile to find the right coverage to ensure your peace of mind. Read more about us!

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As an independent agency, we are here to help you find the right coverage.

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We Give Back

to the community.

We Value

client relationships.

We Are Experienced

insurance agents.

We Offer 60+

years of commitment.

We Are Local

and Ohio proud.

We Offer Solutions

in five states.

The Solution To Your Insurance Needs

Providing a variety of personal insurance and business insurance solutions is what Sheward-Fulks Insurance Agency, Inc. does best.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Farm
ATV / Utility Vehicles
Risk Factor

Utility vehicles or ATVs designed for use on farms can increase liability. This is mainly because these vehicles are known to be associated with high-risk behaviors, such as operating the vehicle without the use of protective equipment.

Solution

If you routinely ride your ATV or utility vehicle, be sure to always use good judgment and wear proper protective equipment, such as a helmet. Additionally, avoid behaviors that are known to increase risk of injury, such as riding on roads that are intended for automobiles.

Products Liability Exposure
Risk Factor

Say, for example, that the beef produced from the cows raised or kept on a farm causes illness in a consumer when it’s eaten.

Solution

To combat this risk, add an endorsement that modifies your insurance policy to protect you from these potential mistakes.

Foreign Object Ingestion Coverage
Risk Factor

Equipment used on a farm has a high risk of mechanical breakdown. For example, a farmer's combine or chopper could ingest a rock causing equipment failure.

Solution

Add Foreign Object Ingestion coverage so the repairs on your combine or chopper will be covered on your policy. Ask your agent if your policy has this coverage since it is not "automatic" on most farm policies.

Coverage for Peak Season
Risk Factor

During harvest, a farmer often stores grain in grain bins, and this grain usually sells within a few months. Coverage is needed while the grain is on-site, but it could get expensive to fully maintain this coverage during the rest of the year when no grain is present on the farm.

Solution

Cover the grain under peak season. This option tailors your coverage to provide increased amounts of insurance during the months in which you have grain on your farm. This type of coverage can be applied to any harvested crop, not just grains.

Pollution
Risk Factor

Pollution is an increasing risk that can occur due to the improper storage or application of pesticides and fertilizers, runoff, and above ground or underground storage tanks.

Solution

It is difficult to control pollution risks on your farm, but it is not impossible. You can protect yourself against this type of risk by obtaining environmental insurance that provides protection for both bodily injury and property damage caused by a farm pollution incident.

Umbrella
Risk Factor

What happens when your farm faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella insurance policy increases your liability limits by adding protection over and above your current farm policies - providing real financial value, as well as priceless peace of mind. Commercial umbrella insurance is available either by an endorsement to your farm policy or as separate coverage.

Care, Custody, and Control
Risk Factor

If you're caring for livestock owned by others on your farm and an unfortunate event occurs causing the death of some or all of this livestock, you may be held responsible.

Solution

To protect yourself and your farm from this type of risk, add care, custody, and control to your insurance policy as an endorsement.

Custom Farming / Business Activity
Risk Factor

Does your farm provide services for others? If so, you may be held responsible for the business activities related to these services.

Solution

To protect yourself from any type of incident relating to these business activities, add an endorsement for custom farming to your insurance policy.

Field Crops
Risk Factor

There are many uncontrollable factors that affect the growth of field crops, such as weather. Are you prepared for what might happen if your crops are devastated by an uncontrollable incident?

Solution

You can protect your livelihood and investment from this type of unavoidable risk with the addition of multi-peril crop insurance.

Property
Risk Factor

If you have a barn or farm structure, a loss to these structures can be catastrophic, potentially putting the farm out of business.

Solution

Be sure you have adequate property coverage to protect your farm from potential catastrophic loss.

Glass Coverage
Risk Factor

If your tractor, combine, harvester, or other farming equipment has cab glass, that glass could break. It can be an expensive repair and cause your equipment to be unavailable for an extended amount of time.

Solution

Be sure you have coverage to help pay for repairs or other service work for broken glass.

Farm Insurance 101

Make sure you cover the unique risks you face with farm insurance.

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Insurance Solutions We Specialize In

We specialize in a variety of coverage options to meet your unique insurance needs.

Auto
Home
Life
Business
Farm

What Makes Our Independent Agency Different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

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Proud Partners with Keystone

We strive to uphold Keystone’s long-standing commitment to service.

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  Contact Sheward-Fulks Insurance Agency, Inc.

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

Jackson, OH

738 East Main Street
Jackson, OH 45640

Portsmouth, OH

7140 Ohio River Road
Portsmouth, OH 45662

We provide unparalleled service to clients throughout Ohio and extend protection to Indiana, Kentucky, Virginia, and West Virginia.

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