Ohio Restaurant Insurance

Over our 50 years in business, the team at Hitchings Insurance Agency has developed a special restaurant industry expertise, having insured a broad range of restaurants both here in Ohio, in Michigan, and in locations throughout the country. Our Restaurant Insurance experience spans food service establishments, caterers, and take-out and delivery operations ranging from small sandwich shops to large gourmet establishments. We love working with restaurants because they add such flavor, personality, and quality of life to the communities that they serve.

We earned some of our Restaurant Insurance expertise in our home town of Findlay, which enjoys a vibrant and diverse restaurant scene. Our community has been nationally recognized as one of the hottest restaurant markets in the nation. We’re lucky to enjoy a bit of everything, from small bistros, coffee shops, and bakeries to remarkable steakhouses and an array of fine dining establishments whose chefs focus on local harvests. All of us at Hitchings Insurance Agency are proud of the contributions that we’ve made to this thriving industry.

More than most, we understand what a challenging business it is to run a successful restaurant. Restaurant Insurance is vital to protecting your business and keeping things operating smoothly. All public-facing businesses have property and liability issues, but a restaurant’s risks are varied and often unique. Many things can go wrong related to your guests, from food poisoning claims and damaged property to a credit card breach or a slip-and-fall injury; your employees are at high risk of cuts, burns, falls, and strains, or they might even be injured by an angry or intoxicated patron; your property is at higher than average risk for liquor liability, theft, and crime; you run the risk of food spoilage due to power outages, property damage from kitchen fires, plus the usual risks that any business faces related to property, inventory, commercial vehicles, reputation, and business interruption.

Commercial Restaurant

We offer Ohio Restaurant Insurance protection plans for all these risks and more through Business Owner Plans (BOPS), or through specific or supplemental coverage, such as:

  • Business Interruption and Loss of Use
  • Equipment Breakdown
  • Liquor Liability
  • Sewer Backup
  • Food Contamination and Spoilage
  • Cyber Liability Insurance
  • Workers Compensation
  • Commercial Umbrella Insurance
  • Inland Marine
  • Employee Dishonesty
  • … and other specialty coverages.

If you want an accurate estimate of how much you might pay for your insurance, start with a quote. Hitchings Insurance offers theirs for free.

You’re too busy running your business and serving your patrons to worry about your Restaurant Insurance. The last thing you have time for is insurance shopping. That’s where Hitchings Insurance Agency adds real value. We understand Restaurant Insurance. We know where to find the gaps in coverage that could lead to future problems. Our experienced professionals at Hitchings Insurance Agency will recommend the coverage you need to protect your business and keep you up and running. We explain the options so that you can make informed decisions. You take care of delighting your guests with your cuisine, we’ll take care of your coverage needs!

Learn why so many restaurants in Ohio and beyond trust Hitchings Insurance Agency to protect their operations. Discover the difference yourself – fill out a quote form or call us at 419-423-9145. You can also visit our blog which dives deeper into the key aspects of a successful restaurant business and more!