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Business & Professional Insurance

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The Gion Insurance Group Provides Insurance and Risk Management Solutions based on helping our clients to be their very best

We exist to help others!

Our vision IS the reason we get up, come to work, and do anything and everything we do. It is our WHY! It is why the team members of The Gion Insurance Group are part of the team. It is why our clients do business with us. It influences every action we take and all decisions as to how we represent and service our clients flow through the vision of truly helping those we have relationships with to be the very best they can be.

Fulfilling Our Vision

By providing insurance and risk management solutions based on helping our clients to be their very best.

How Are We Unique?

Many insurance agents/brokers would likely say they do something similar, but learn how we stand apart from them.

Let’s Talk

If you are interested in developing a relationship and determining if we are a good fit to work together, please fill out the information below and a member of our team will contact you. You may also contact our office at rgion@craneagency.com.
Need Help Now? Call Us at (636) 537-5070

Types of Insurance We Offer

  • For Business
  • For Individual
  • We provide various insurance and risk management solutions to meet the exact needs of our clients. Our services and the products available to our clients stem from a developed relationship we have with each of our clients.
Commercial Insurance Policies

Commercial Insurance Policies

Policies of every type including Property, General Liability, Auto, WC, and many others.

Bonding Solutions

Bonding Solutions

Losses occurring to one’s home, its contents, loss of use, or loss of other goods.

Group Benefit Insurance

Group Benefit Insurance

Covers equipment, signage, inventory & furniture in case of a fire, storm or theft.

Auto, Motorcycle, Aircraft & Boat Insurance

Auto, Motorcycle, Aircraft & Boat Insurance

If you own something you get around in or on, we can insure it.   Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc porta...

Property Insurance

Property Insurance

We can insure almost any property including a primary home, rental property, fine arts, jewelry, and other valuable property.   Lorem ipsum...

Umbrella/Excess Liability Insurance

Umbrella/Excess Liability Insurance

Everyone needs an “Umbrella” policy to provide extra liability above and beyond what’s covered by other policies.   Lorem ipsum dolor sit...

Life Insurance

The benefit in exchange for a premium, upon the death of an insured person.

Umbrella-insurance

Insurance and Risk Management Solutions

The greatest need most of our clients have is guidance. Our clients depend on us to assist them in determining what they need. They often need our help in showing them how to be better. They regularly need our guidance in knowing where risk is and how it affects their bottom line. Where needed, they need appropriate insurance protection to transfer that risk away. All of our clients, regardless of size, receive the following from the Gion Insurance Group:

  • Contract Review (including sub-contracts and leases)
  • Certificate of Insurance Review & Maintenance
  • Help from the Charles L. Crane Agency Loss Control team
  • A team approach to service
  • Regular marketing of all insurance policies to make sure our clients have the best coverage
  • Risk Management Counsel and Advice from trained experts
  • Assistance from insurance professionals who always put the client’s needs and best interest first

We exist to help people and businesses be the very best they can be!

We position our clients as “the perfect food” that our insurers (VERY HUNGRY FISH) desperately want.
Learn About The “Feeding Frenzy”
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Million Happy Customers
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Great Claims Service
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A Tradition of Excellence
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Hundred of Dedicated Staff

At a Glance

Our Key Statistics

Understanding the Feeding Frenzy

It starts with who’s delivering the food!

  • The Gion Insurance Group has a reputation among the insurers we work with that they like.
  • Every team member works in accordance with our vision.
  • We compete fairly and never manipulate our client or the insurance company to gain something to our own advantage.
Learn more

An agent’s loss ratio is one of the most important factors

  • By selecting the best customers for our insurers, we are one of the most profitable insurance units in the country.
  • At 48% pure loss ratio, most insurance companies in America are profitable – as such, most insurance agencies operate around 48%.
  • In the last 5 years, we have never had a loss ratio above 28%! This means that on average, our insurance partners have made an extra 20% profit on the business that The Gion Insurance Group generates.
  • Knowledgeable consumers should be asking their current agents/brokers what their personal loss ratio is with the insurance partners they work with.
Meet Our Team

All food is not created equal

  • We ask a lot of questions to determine what makes our clients better risks than their competition and present this to our insurance partners.
  • We create first class insurance submissions that help our insurance partners understand what they are looking at.
  • We tailor not only the submission on every account, but also the coverage our client needs. Our insurance partners have learned that they will not be doing work in vain.
Know What You Should Ask

Most food can be improved and made to be much more pleasing to the fish

  • We learn about things that from a risk management perspective need to be improved – we recommend these changes so our clients can be the best they can be for themselves .
  • We provide business owners the information to make good business decisions about things they might implement to improve their desirability to the insurance company.
  • We often as a team assist our clients with new services (often at no extra expense) that we can bring to the table to make them better.
What Sets Us Apart

Different fish have different appetites

  • We match the client to the insurer.
  • Every one of our insurance partners know that if we submit a submission to them, they have a real possibility of landing the account because it meets their appetite - we wouldn’t waste their time or ours if it didn’t.
  • Because our insurance partners know our submission meets their appetite and their chance of earning an account is high, we get their best effort on the risks we submit.
  • Our recommendation to our client is NEVER based solely on price. We are looking for the best value for our client which includes price, coverage, service, claims handling, and likelihood of a long term business relationship.
What Sets Us Apart

We manage where and how we drop the food

  • It’s sad to say but many insurance agents and agencies are not much different than most used car salesmen (no disrespect intended to upstanding used car salesmen.) These agents play a game with their insurance partners where they take one insurers price (after that company has done all the work) and give it to another to try to “beat the price.” The results: they almost never get the very best price from any insurer, they become known as really not caring about the work and effort put in by an insurance company partner, and they have made the product they sell nothing more than a commodity. Our vision alone means we could not do business this way.
Learn About the Feeding Frenzy

Our process is entirely different.

  • We provide a thorough submission to every insurer and provide them enough information to provide a good quote; including the premiums the customer is currently paying.
  • We negotiate with the underwriter to get their very best terms and pricing, the first time.
  • We review independently the proposal that each insurance partner gives us and present the best option or options to our client.
  • In the end, we notify our quoting insurance partners of who got the business and where the competitor pricing was (so we can drive down future costs for our clients).
  • This is fair, our insurance partners love it, and it means we get the best possible pricing for our clients.
What Sets Us Apart

Five Questions Every Client Should Ask Their Insurance Agent

These important questions need to be asked to make sure you are saving the most money on your insurance and getting the service you need.

While every human being wants the best possible service at lowest possible insurance premium cost, most people are completely unaware of how to actually get that. Simply put, most people don’t know what questions to ask. Did you know that there are “secrets” that many agents don’t want you to know about that dramatically influence the price that you will pay, the service the agent can offer, and possibly most important: how will a claim be handled when you most need what you are paying for.

Know the 5 Questions to Ask

Our Clients Rate Us

Very Helpful

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Barbara Lee Accountant
Great Experience

"At vero eos et accusamus et iusto odio dignissimos ducimus qui blanditiis praesentium voluptatum deleniti atque corrupti quos dolores et quas molestias excepturi sint occaecati cupiditate non provident, similique sunt in culpa qui officia deserunt mollitia animi, id est laborum et dolorum fuga. Et harum quidem rerum facilis est et expedita distinctio."

Garry Jones manager
Overall Experience

"At vero eos et accusamus et iusto odio dignissimos ducimus qui blanditiis praesentium voluptatum deleniti atque corrupti quos dolores et quas molestias excepturi sint occaecati cupiditate non provident, similique sunt in culpa qui officia deserunt mollitia animi, id est laborum et dolorum fuga. Et harum quidem rerum facilis est et expedita distinctio."

Nicky Roberts designer

Latest News

Insurance can have various effects on society through the way that it changes who bears the cost of losses and damage. On one hand it can increase fraud; on the other it can help prepare for catastrophes.