About Us

Our Primary Purpose

Over the years, we have found that a team approach can be an effective method of helping clients with a wide variety of needs as they navigate the complex world of insurance.

Finding Your Fit

Four Star Insurance Agency Inc is an independent insurance agency. Our goal is to assist you with all your insurance coverage needs. Our experienced agents will help you manage and plan for all potential risks. The professionals at our agency will assess your needs and offer you a number of affordable plans to select from. We will work hard to provide you with the highest quality service and build a trusted relationship as well. At Four Star Insurance Agency Inc, we will always seek out the best insurers to get you the best coverage at a fair price.

A Locally Owned Insurance Agency

Four Star Insurance Agency Inc is an independently owned and locally operated business. Your insurance agent will help you find the right combination of tailored, personalized insurance coverage at an affordable price. We offer you low down payments and monthly payment options to simplify your insurance purchase. You will find a wide variety of coverage options for auto, home, life, health, business, retirement and other categories. Call 440-882-2000 to speak with a member of our reliable, professional team and get your FREE quote.

Many Insurers to Choose From

At Four Star Insurance Agency Inc, we offer you several top insurance companies to choose from. Our knowledgeable team has decades of experience researching rates and finding the best coverage to fit your needs. Some of the well-known insurance providers we work with include Safeco, Progressive, MetLife, Travelers, State Auto, and many more.

Our Agency's History

Four Star Insurance Agency Inc was founded in 1954 by Charles J. Germana and incorporated in 1958. Originally, Germana and his three brothers-in-law contributed to the agency. Germana was the property and casualty manager, Sam Zito was an accountant and office manager, and John and Angelo Zito were debit life insurance men who also worked part-time as agents for property and casualty while staying with Sun Life of America full-time. They were the original four stars in the business's name. Our logo, then as well as today, is a flag with four stars signifying Quality, Low Cost, Dependable, Service.

The current owners of the agency are the two sons of our founder: President Charles M. Germana and Vice President Joseph T. Germana. Management of the agency's personal lines is handled by our founder's grandson Paul C. Germana.

Our Insurance Specialties

Among our many specialties at Four Star Insurance Agency Inc are commercial risks insuring apartments, offices, restaurants, and manufacturing and contracting risks. We also handle individual and group life and health insurance. We generate many of our leads through referrals. Contact us to schedule a consultation to analyze your current coverage. Our goal is to ensure you are covered properly by the best possible plan at the most competitive price. While we mainly serve in Northeast Ohio, our clients come from all over the state. We are also licensed to work with auto insurance in the state of Florida.