About Us


Gem City Insurance Agency, Inc. was born in 1996. The agency has grown into one of the best “customer-oriented” agencies in southwest Ohio. Our primary focus has been and will always be in providing the best possible protection in order to minimize any financial loss. In order to do that, we work with a select number of financially sound insurance companies that are in tune with our regional market.

We remain a small agency so that we can provide more attention to our customers. We still prefer to do business face-to-face and with a handshake – yet we still keep up with all of today’s technology to make it convenient for you.

Gem City Insurance is an independent agency. We do not work for any one specific insurance company. Our job is to find the right insurance company to take care of your specific needs at a competitive price.

As the world around us changes and grows, so do insurance products. The companies we represent constantly adjust their available coverages in order to provide you with the best options. Who would have thought about “Cyber Security” or “Identity Recovery” ten years ago? Is your policy up-to-date with the correct coverage? Does your current agent review your policy and offer you recommendations? The coverages you needed at age 30 can be much different at age 50!

Third Generation (and current) owner: Ron Tinnerman

ron-tinnerman-150x225Dave’s son and Bob’s grandson Ron Tinnerman joined the agency in 1990 after graduating from Centerville High School in 1986 and Miami University in 1990. Ron trained under Dave and helped facilitate the agency’s growth in the 1990’s and 2000’s.

In 1995, Ron earned (and still holds) the “Certified Insurance Counselor” professional designation, is active locally in The Centerville Hustle Basketball Club currently serving as club president, The Noon Optimist Club of Centerville and The South Dayton chapter of AMBUCS (American Business Clubs).

Ron became owner of Tinnerman Insurance Agency in 2001 with Dave’s retirement and also serves as agency owner of Gem City Insurance since July 15, 2015. He relocated the agency to Iron Gate Park in September of the same year.

Ron resides in Centerville with high school sweetheart and wife of over 20 years; Jill. Ron and Jill have two sons.