Tag: liability

restaurant-business

Restaurant Business: Keys to Success | Hitchings Insurance Agency

You’ve worked your entire professional career in the restaurant business. You likely started in the trenches of a food operation: busing tables, waiting tables, tending bar, washing dishes, assisting ownership and chefs. It is quite clear you can’t just open the doors of a restaurant and expect instant prosperity.  There are some keys to success […]

commercial-real-estate

Commercial Real Estate Insurance | Hitchings Insurance Agency

Commercial real estate is a large investment. When thinking about the insurance plan, there are some things to consider for proper coverage. Some coverages may seem obvious. However, there may also be hidden coverage items that need to be discussed. Let’s take a look at things to consider! First, let’s review commercial real estate insurance […]

safety-on-the-fourth-of-july-hitchings-insurance-agency

Safety on the Fourth of July | Hitchings Insurance Agency

The fourth of July is an exciting holiday. It marks our country’s independence, which is a great reason to celebrate! The day might involve getting together with family and friends for a cookout and enjoying everything there is to do outside. As the sun starts to set, the kids may ask about lighting sparklers in […]

does-my-insurance-cover-rental-cars-hitchings-insurance-agency

Does My Insurance Cover Rental Cars? | Hitchings Insurance Agency

School is out. The days are longer. Summer is here and vacations may be on the horizon. If you are flying to your destination, a rental car may be necessary. It may also make you wonder, does my insurance cover rental cars? We get this question a lot…almost daily! So, let’s discuss some of the […]

equipment-breakdown-coverage

Equipment Breakdown Coverage: What Is It? | Hitchings Insurance Agency

We get this question a lot! What is equipment breakdown coverage? It’s actually quite simple…just what the name suggests! If a mechanical system in your home breaks down, the equipment breakdown coverage takes care of the damages to your equipment. Equipment Within A Home When you sit back and think about the average American house, […]

water-backup-coverage-what-is-it-hitchings-insurance-agency

Water Backup Coverage: What is it? | Hitchings Insurance Agency

Owning a home can be both exciting and stressful. There are some things you never want to deal with as a homeowner. One is likely a fire and another may be a tornado. The third quite possibly is a loss due to water! We see more homeowner claims that deal with some type of water […]

new-drivers-license

New Driver’s License: When Do We Add Insurance? | Hitchings Insurance Agency

How is this possible? Your baby is turning 15 1/2 and ready to get a permit to drive. The next six months will probably include Driver’s Ed and driving with an instructor. Not to mention all the time you personally will spend teaching your teenager how to be a cautious, non-distracted, defensive driver. Do you […]

small-business

Small Business Defined and Insurance Coverages | Hitchings Insurance Agency

What is a Small Business? A small business is defined as any business with 500 or less employees. According to the Small Business Administration, there are roughly 28 million small businesses in the United States. Conversely, there are only 18,500 businesses with over 500 employees.  Small businesses make up 64% of the United States workforce.  […]

landlord-responsibilities-related-to-insurance

Landlord Responsibilities Related to Insurance | Hitchings Insurance Agency

You have the title of landlord. The checklist may be pretty lengthy at times and you may wonder where to start. One of those important landlord responsibilities is securing proper insurance for the property. While your insurance professional can help to make this a smooth process, you have to determine the requirements for your renters. […]

home-insurance-in-ohio-what-does-in-cover-hitchings-insurance-agency

Home Insurance in Ohio: What does in cover? | Hitchings Insurance Agency

Looking for a new house can be such a roller coaster ride. Open house after open house. Endless discussions. Writing out all the pros and cons. SO many emotions involved, but you made it! You finally found the right one! Now it’s time to work through the home buying process, which can be intimidating and […]