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Combs Insurance Services Agency, Inc.

Protecting Families and Businesses Since 1959

The Combs Agency is a third-generation family owned insurance services agency. The company was founded by Dick Combs and has been in operation since 1959. Dick was joined by his son Rick Combs in 1978, and grandson Chris Combs in 1994. The agency provides services to small businesses, families, and seniors including financial and retirement planning, auto, home, commercial-business, and life insurance, as well as long-term care and disability insurance. We tailor custom risk transfer strategies for each of our clients. In addition to Rick and Chris, the staff includes two additional licensed agents, Vicki Buening, office manager for the past 18 years, and Lorraine Vojt who is the customer service contact and underwriting expert.

Auto & Home Policies

Need to insure both your home and vehicle? Having more than one insurance policy like home and auto with Combs Insurance can save you time and money. When you bundle more than one insurance policy together, it can provide benefits like only dealing with one insurance agency. Our agents are available to help with all your home and auto policy needs.

Life Insurance

Combs life insurance can help your family maintain the way of life they’re used to and provide long-term financial security. Your family can use it to help pay for housing costs, medical bills not covered by health insurance, funeral expenses, children’s college, debts and almost anything else they may need.

Business Policies

When it comes to your business, there’s a lot at stake — from the products and services you provide, to the things that make it all achievable. When it comes to financial protection for your investment, there’s much more to consider. That’s why the right business insurance policy can play a key role in its success.

Long-Term Care Insurance

If you or a family member are in the later years of life, you may want to learn more about long-term care insurance. Combs Insurance is the place to start. We provide information custom to your specific needs. Our agents know what questions to ask, and can help you choose the right insurance plan that meets your needs.


An annuity is a type of policy issued by an insurance company created to gain and advance funds to arrange a stream of payments or income. The money you pay in can be either a lump sum or a number of payments. This money generally earns a return rate and is usually tax-deferred.

Disability Insurance

Disability insurance can help protect the paycheck you rely on. If you’re disabled due to illness or injury and you’re unable to work, disability insurance provides coverage that can contribute money to help pay your mortgage, rent, car loans, and other monthly expenses. It may also help prevent using your retirement savings if you cannot work.

Chris Combs, President

Chris is the President of Combs Insurance and has been with the agency since 1994. Chris received his Bachelor’s degree from Wittenberg University in 1993. In addition, he is a Registered Securities Advisor (FINRA Series 7) and is currently pursuing his CFP designation. Chris is a past master of his Masonic lodge, a 33rd Degree recipient and a member of Aladdin Shrine. He is a board member of York Golf Club and a former Delaware County MRDD board member. He is also a past President of Central Ohio ASCnet (Applied Systems Client Network) User Group, Inc. Chris is a Worthington native who now lives in Lewis Center with his two children, Christopher and Madelyn. They are members of Genoa Baptist Church. You can contact Chris via email at ccombs@thecombsagency.com.

Other Agents

Rick Combs

Licensed agent with 39 years of experience and former agency principal.

Lorraine Vojt

Licensed agent and customer service contact, with over 20 years of underwriting expertise.

Vicki Buening

Licensed agent and office manager, with over 18 years of experience.

The Combs Agency can provide customized solutions for your insurance needs through our carriers, including: