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 Trucking Insurance

    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. [...]

  • Hazmat Trucking

    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

    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" [...]