Restaurant Insurance in Ohio
Restaurants face risks most businesses never see — slip-and-falls, liquor liability, food spoilage, equipment breakdown, employee injuries. We package coverage that protects all of it.
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Restaurant Insurance in Ohio
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A package built for Ohio restaurants
Most Ohio restaurants need a Business Owners Policy (BOP) that bundles general liability and property — plus separate liquor liability if you serve alcohol, workers' comp through the Ohio BWC, equipment breakdown, food contamination, and commercial auto if you deliver or cater.
We work with restaurant-specialized carriers (Society, Hospitality, Markel, Liberty Mutual, Travelers) that understand the difference between a fast-casual, a full-service dining room, and a brewpub — and price coverage accordingly.
Liquor liability is non-negotiable in Ohio
If you serve any alcohol — beer, wine, liquor — Ohio dram-shop laws make you liable for damages caused by an over-served patron. General liability does NOT cover this. You need separate liquor liability with limits matched to your sales volume.
We see new restaurant owners skip this to save $1,500/year — and lose six- or seven-figure lawsuits over it. We will not let that happen on our watch.
Workers comp, food spoilage, and the everyday risks
Ohio is a monopolistic workers' comp state — you must purchase through the Ohio BWC. We help you understand classifications (restaurant code 9079) and stay compliant with state filings.
Food spoilage coverage pays for refrigerated inventory lost during a power outage or equipment failure. Equipment breakdown covers the cost to repair walk-ins, dishwashers, hood systems, and fryers. Both are cheap add-ons and prevent five-figure surprises.
Frequently Asked Questions
Quick answers about restaurant insurance in Ohio, OH.
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