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What We Believe

The Navigate Risk Advisors team believes in people, and in developing lasting relationships. Helping our clients protect their assets is our focus. We strive to establish long-term trust through exceptional service and relationships with a carefully selected group of insurance carriers.

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About Navigate Risk Advisors

People do business with people that they know, like and trust.

You need a trusted navigator at your side.

The team at Navigate Risk Advisors knows what it takes to guide you through the insurance process every step of the way. With in-depth experience in navigating the unique risks you face, we are here to serve as your professional insurance advisors.

What makes us different?

Navigate Risk Advisors is an independent insurance agency providing professional insurance services to families and businesses in Westlake, Avon, Avon Lake, Gates Mills, and throughout Ohio. We have a select group of regional and national insurance carriers, which allows us to help you navigate through the murky waters of insurance to discover policies that work best for your family or your business.

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Getting to know the communities we serve is important to us. We get involved by volunteering with non-profits and civic organizations.


Likability is a talent that our agency highly values. It is our goal to build strong relationships with each customer and treat them with respect.


Our reputation is built upon meeting the insurance needs of our customers. And by being there for them every step of the way, we earn their trust.



Group/Individual Benefits

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.

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Property Damage Liability
Risk Factor

You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?


Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.

Bodily Injury Liability
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into a pedestrian, bicycle, or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.

Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?


An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Watercraft Liability
Risk Factor

Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.


Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.

Life Insurance

Finding the right life insurance policy for unexpected situations can help in planning ahead for the future.

Health Insurance

Helping the families of senior citizens 65 and older navigate the right health insurance plan for their current health needs.

Unbelievable service. Highly recommend!

Jennifer Abbott

Phenomenal people!!! You cannot go wrong. Trust worthy and reliable.

Patrick Heraghty

Saved me 60$ a month I'm my auto insurance! Great people!

Dan Dan theXRPman

Just recently secured my insurance needs through Navigate and they have been immensely helpful through every step of the process. Highly recommend.

Kevin Matte

Navigate Risk Advisors Service Center

Manage your account with us quickly and easily!

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Request a Proposal

As an independent agency, we offer multiple options at competitive prices.