If you own commercial space that you lease or rent, it’s vital to protect that investment. A protection plan for your real estate assets can vary greatly depending on the business use of your property and the associated risks. Hitchings Insurance Agency specializes in providing Commercial Real Estate Insurance. We’ve worked with owners of office and retail buildings, medical centers, warehouses, garages, hotels, condominium complexes, and multifamily dwellings. We’ve insured properties ranging from a single office building to mixed-use businesses of more than 400,000 square feet per location.

Whether your commercial property is in Ohio, Michigan, or beyond, Hitchings Insurance Agency is a one-stop shop for all your Commercial Real Estate Insurance needs, from Liability Insurance and business use-specific coverages to Health insurance and Employee Benefits packages. We take care of you, your business, and your employees.

While exposures and protection needs vary based on specific use, all commercial property should carry the following core insurance coverages:

  • Commercial Property Insurance covering buildings and equipment
  • Commercial General Liability insurance protecting against lawsuits related to personal injury or property damage that happens on your property

In addition, if you have employees, you are required by law to have Workers’ Compensation Insurance. If your operations involve business-use vehicles, you would also need Commercial Auto Insurance.

Other optional coverages that may make sense include:  Loss of Rental Income Insurance • Equipment Breakdown Insurance • Commercial Umbrella Insurance • Crime Insurance • Flood and Earthquake Insurance • Cyber Liability Insurance • Errors & Omissions Insurance

You’re too busy running your business and serving your customers to worry about insurance. That’s where Hitchings Insurance Agency adds real value. We understand the coverage needs of commercial businesses. We know where to find the gaps in coverage that lead to future problems. Our experienced team will recommend the coverage you need to protect your investment and keep your properties up and running. We explain the options so that you can make informed decisions. Our goal is making things easy for you so that you can focus on your work.

We invite you to learn why so many commercial real estate owners trust Hitchings Insurance Agency to protect their operations. Discover the difference yourself – fill out a free quote form or call us at 419-423-9145.


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General Liability

Protection against claims resulting in injury or property damage.

Building Coverage

Coverage against fire, theft, vandalism and natural disasters.

Loss of Rents

Reimbursement of rental income if your building is
uninhabitable due to a covered claim.

Ordinance of Law

Coverage for losses caused by enforcement of ordinances or laws.

Extra Expense

Part of a commercial property insurance policy that pays for additional
costs (outside of normal operating expenses) that are incurred while a business' property is being repaired


Protection against damages caused from flooding.

Actual Cash Value vs Replacement Cost

Coinsurance Requirement

Interactive Coverage Map

Commercial Real Estate Insurance

Commercial Property Insurance covering buildings and equipment, Commercial General Liability insurance protecting against lawsuits related to personal injury or property damage