The Hitchings Blog
Recent posts

The Errand That Cost a Million Dollars: Why Your Business Needs Hired & Non-Owned Auto Coverage
Updated: April 16, 2026
If you run a small business in Ohio, you probably have a "go-to" person for the little things—the employee who runs to the post office, [...]

Reefer Truck Insurance: Who Pays When the Cooling Unit Fails at 3 AM?
Updated: April 16, 2026
In the world of commercial trucking, hauling "dry" freight is a game of logistics and timing. But for refrigerated haulers, it’s a race against thermodynamics. [...]

The Million-Dollar Spill: Why Standard Cargo Insurance Fails Hazmat and Liquid Bulk Haulers
Updated: April 16, 2026
If you are hauling liquid fertilizer through Findlay, fuel to a terminal in Toledo, or specialized chemicals across the Ohio state line, your risk profile [...]

Health Insurance for Ohio Farmers: Navigating Your Options in 2026
Updated: March 10, 2026
As an Ohio farmer, you aren't just managing crops or livestock; you’re managing a complex small business. Unlike many traditional professionals, farmers often face high-risk [...]

Product Manufacturing Insurance: Protecting the Goods You Put Into the World
Updated: March 9, 2026
If you run a manufacturing business in Ohio, you likely already have a general business policy that covers your building, your machinery, and your employees. [...]

Aggregates & Assets: A Guide to Ohio Gravel Truck Insurance
Updated: March 9, 2026
If you haul gravel, stone, or sand in Ohio, you know that your day-to-day risks are different from a general dump truck operator hauling construction [...]

🏆 Show Cattle Insurance: A Guide to Protecting Your Prize Livestock at the Fair
Updated: February 10, 2026
For any 4-H family, FFA student, or professional breeder, the county or state fair is the culmination of months—or even years—of hard work, specialized nutrition, [...]

Why Did My Ohio Car Insurance Go Up in 2026?
Updated: February 11, 2026
If you just opened your auto insurance renewal and saw a higher number than last year, you aren’t alone. Even if you have a perfect [...]

The CCC Exclusion: Why Your Standard Liability Policy May Not Cover The Very Thing You Do
Updated: February 9, 2026
We will discuss why CCC coverage is important in both farm insurance policies and business insurance policies. If your business involves working on or providing [...]

Insuring Your Agritainment/Agritourism Operation
Updated: January 20, 2026
For modern farmers, opening the barn doors to the public for Agritainment (or Agritourism) has become a source of revenue. Activities like corn mazes and [...]

Semi-Truck & Trailer Insurance: Costs & How to Lower Your Premium
Updated: January 20, 2026
For any commercial trucker, whether an owner-operator running under your own authority or a fleet manager, insurance is consistently one of your largest operating expenses. [...]

What Is Farm Insurance?
Updated: January 20, 2026
This is a common and important search query, especially in the Midwest where agriculture is so diverse. The user who types "What is Farm Insurance" [...]











