Our History
Loy Insurance Agency was founded in 1982 by Dan Loy, after beginning his career as a life insurance field representative for Grange Insurance in 1978, covering the Midwest. His vision was simple: Treat everyone with kindness and warmth, and do what you say you’re going to do.
For over 36 years, Dan served families and individuals in Westerville, Ohio, providing personal lines insurance with a focus on treating clients like family and always putting their needs first. His belief was that insurance isn’t about a policy—it’s about protecting people’s lives, legacies, and peace of mind.
In 2015, Dan’s son, DJ Loy, joined the agency with a focus on expanding into commercial insurance. Bringing a fresh perspective, DJ emphasized proactive risk management because loss can be devastating. The best offense is always a lockdown defense.
Under DJ’s leadership, the agency grew its footprint in:
- Commercial property
- Restaurants, skilled contractors, and main-street retail.
- High-value homes
- Habitational risks (multi-family, rental properties, apartments, associations, etc.)
DJ expanded our carrier portfolio to include national, super-regional, and mutual companies, giving clients access to a broad spectrum of competitive and specialized coverage solutions.
In early 2020, DJ purchased Dan’s share of the business, positioning the agency for a seamless transition into the digital era, a fortunate advantage when COVID-19 redefined how businesses operate.
In late 2020, DJ’s wife, Nicole Loy, joined the agency following the birth of their daughter. Nicole had previously managed a 400-unit residential community with Lifestyle Communities, bringing with her a wealth of operational leadership and client service experience. Her expertise has been pivotal in refining the agency's internal operations and delivering an even higher level of service to clients.
Today, Loy Insurance remains a family-owned, independent agency, serving clients across the midwest. Our approach is consultative, leading with an education-first focus on long-term cost reduction and risk optimization, not short-term price tags.
We believe the right insurance strategy is one that aligns with your life, your business, and your long-term goals. That’s why we take the time to proactively communicate, educate, and advocate for clients. A partnership with us means we work together with you throughout the year and not just at renewal time.
Why do business with Loy Insurance?
Insurance isn’t a commodity. You’re not just buying a product, you’re buying a promise of protection.
When life doesn’t go as planned, that promise becomes the difference between financial security and devastating loss.
But in a world of catchy slogans and "lowest price" ads, how do you know if your coverage will actually protect you when it matters most?
At Loy Insurance, we bring clarity and simplicity to your risk. We’ll break down what you’re buying, why it matters, and how to avoid overpaying for coverage that won’t serve you when it counts.
When something goes wrong, we want you to call us first. We’ll advocate on your behalf with carriers, vendors, landlords, tenants, even other drivers and police. A website or 1-800-number simply can’t do that. Most people don’t realize this until after a loss, when emotions are high and they find themselves alone on the phone in a call center queue or website chat.
That’s when our advocacy matters most.
Making sure our clients are made whole as smoothly as possible. That’s the most rewarding part of this business for us.
We cut through the jargon, structure coverage that actually protects you when it matters, and make sure you’re not bleeding money on coverage gaps or overpriced policies.
Independent Agent Vs. The Rest
Unlike a captive, or direct insurance company who only offers their own proprietary products, our agency is 100% independent of any one company. Many insurance consumers don't fully understand just how important that really is.
Here is a quick comparison of the differences between an independent agency like us, and the various other types of companies that are out there:
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We appreciate the opportunity to help you, and look forward to servicing your insurance needs! Feel free to call us directly if you have more detailed questions.