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Your Local Indianapolis Independent Insurance Agency

Central Insurance Associates specializes in business, auto, home, life, and health insurance.

Central Insurance Associates, Inc. is a full-service independent insurance agency, offering solutions for asset protection and risk management for both business and individuals. We offer a full range of insurance, including Business Insurance, Personal Auto, Homeowners, Umbrella, Employee Benefits, Individuals Health, Life Insurance, Senior Products, and Annuities.

At Central Insurance Associates, we appreciate and value each and every client we serve. We strive to understand the unique nature of every risk we insure and find solutions to satisfy their needs.

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Auto Insurance

Paying too much for auto insurance? With our flexible coverage options and expert service, you’ll know your vehicle is getting the best protection.
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Home Insurance

Your home is your greatest investment, but you shouldn’t have to break the bank to insure it. Find out how much we can save you on your policy.
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Business Insurance

As a business owner, you have enough on your mind without having to worry about insurance needs. Let us find the best coverage at the best rates for you.
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Recent News & Updates

4 Reasons to Purchase Business Interruption Insurance

Posted: December 4, 2025

The Need for Revenue Doesn’t Pause When You Can’t Do Business Business interruption (BI) insurance replaces lost income when a covered peril forces you to slow or stop operations. Typical triggers include fire, wind, or water damage that makes your premises unsafe or unusable, or a direct physical loss to key equipment that halts production.  Property insurance pays to repair buildings and equipment; BI covers...

A Guide to Winterizing Your Home

Posted: December 2, 2025

Drafts, Doors, and Dollars To winterize your home, start with the biggest leaks, such as attic hatches, exterior doors, baseboards, and windows. Add adhesive weatherstripping to door jambs and sweeps to the bottom edge; use silicone caulk around window and door casings, plumbing penetrations, and where siding meets the foundation. Do a simple smoke-pencil test: on a windy day, turn on kitchen/bath fans, then move...

Your Business Insurance Policy Checklist

Posted: November 19, 2025

As your business evolves over time, so should your insurance protection. Staying proactive with insurance coverage can mean the difference between a minor setback and a major financial loss. Schedule regular interviews with our experienced agent to help ensure your policies reflect your current operations, assets, and risks. Use the following checklist to evaluate your current policies and identify any gaps in protection. General Liability...

Preventing a Home Insurance Claim from Getting Denied

Posted: November 16, 2025

Home insurance offers peace of mind in case of unexpected damage or loss, but that protection only applies if your claim is approved. Many homeowners are surprised to learn their claims are denied for reasons that are often preventable. Knowing how to avoid the pitfalls can help ensure your homeowners' policy works for you when you need it most. Common Reasons for Claim Denials After...