Ohio Restaurant Insurance

Running a restaurant in Ohio is your passion and your pride. You take care of every aspect of your business, from the menu and the ingredients to the atmosphere and the staff. You enjoy the challenge and the excitement of serving your customers every day. 

But you also know that the dangers in restaurants are not a joke: spills, burns, slips, falls, and sick customers. Any of these incidents could cost you a lot of money and even put you out of business. 



To avoid such a disaster, you need to have adequate insurance coverage that suits your specific needs and budget. But how do you know what kind of insurance you need? And where can you find the best rates and service?

Here at Bellwether Insurance, we have the best deals on Ohio restaurant insurance. Whether you own a fine dining establishment, a fast-food joint, or a catering service, we can help you protect your business from various risks and liabilities. 



Our policies cover property damage, equipment breakdown, food spoilage, employee injuries, customer lawsuits, and more. We also offer flexible payment options and discounts for multiple policies. Contact us today for a free quote and save more.

There are many types of food service businesses that may benefit from restaurant insurance in Ohio, such as:

• Bars
• Cafés
• Cafeterias
• Caterers
• Diners
• Delis
• Food delivery services
• Fast food restaurants
• Pizza restaurants
• Lounges

Depending on the nature and size of your restaurant, you may need different types of coverage to suit your needs.

Property coverage can help you pay for the repair or replacement of your building, equipment, furniture, inventory, and other assets in case of a covered loss. Property coverage can also cover the loss of income if your restaurant has to close temporarily due to a covered event. Property coverage for your Ohio restaurants can be customized to fit your specific needs and budget. You can choose from different types of coverage, such as:

• Basic form: For the most common perils, such as fire, lightning, windstorm, hail, explosion, smoke, vandalism, and sprinkler leakage.
• Broad form: This covers everything in the basic form plus additional perils, such as water damage, falling objects, weight of snow or ice, and collapse.
• Special form: Offers coverage for all perils except those that are specifically excluded, such as earthquake, flood, war, nuclear hazard, and intentional acts.

Property coverage for your Ohio restaurants is an essential part of your business insurance plan. It can help you protect your investment and keep your business running smoothly in case of an unexpected event. To get a free quote and learn more about property coverage for your Ohio restaurants, contact us today.

You may want to consider a Business Owners Policy (BOP) to protect your restaurant business from various risks. A BOP is a package policy that combines general liability and commercial property insurance into one convenient and affordable policy. 

General liability insurance covers legal responsibility for bodily injury or property damage to third parties, such as customers, suppliers, or vendors. For example, if a customer slips and falls on your premises and sues you for medical expenses and pain and suffering, general liability insurance can help pay for your legal defense and settlement costs.

Commercial property insurance covers a building and its contents, such as furniture, equipment, inventory, and cash. It also covers loss of income and extra expenses if your business is temporarily closed due to a covered peril, such as fire, theft, vandalism, or weather damage. For example, if a fire destroys your kitchen and you have to close your restaurant for repairs, commercial property insurance can help pay for the cost of rebuilding and replacing your property, as well as the lost income and extra expenses during the closure.



A BOP can also include optional coverages that are tailored to your specific needs, such as food spoilage coverage, liquor liability coverage, cyber liability coverage, or business interruption coverage.

Workers' compensation insurance covers medical expenses and lost wages for employees who are injured or contract an occupational disease on the job. It also provides death benefits to survivors when a death results from a work-related injury or disease.

In Ohio, workers' compensation insurance is provided by the Ohio Bureau of Workers' Compensation (BWC). Restaurants in Ohio are required to have workers' compensation insurance for their employees, unless they are exempted by law. The rates for workers' compensation insurance vary depending on the type and size of the business, the industry classification, the payroll, the claims history, and the participation in rating and bonus programs.

Workers' compensation insurance can help restaurants protect their employees and their business from the financial impact of work-related accidents and illnesses. It can also help them comply with the state laws and regulations regarding workers' compensation coverage.

In Ohio, restaurants that serve alcohol are expected to comply with the state's liquor liability laws, which allow third parties injured by an intoxicated person to sue the restaurant for contributing to that person's intoxication. This means that if a customer leaves the restaurant and causes an accident or injury, the restaurant could be held liable for the damages. The same applies to injuries that may occur on the restaurant's property that are caused by intoxication.

Liquor liability insurance can help restaurants afford the high cost of a liquor liability lawsuit. Policies can be used to pay for expenses such as lawyers' fees, settlements, judgments, damages and other court fees. Without liquor liability insurance, a restaurant could face financial ruin from a single claim.

Liquor liability insurance is often not included in a general liability policy for businesses that generate a profit from alcohol. Restaurants that serve alcohol in Ohio need to purchase liquor liability insurance separately or add it as an endorsement to their general liability policy. The cost of liquor liability insurance depends on various factors, such as the percentage of liquor sales, the type of restaurant, the location, and the claims history.

Food contamination insurance protects restaurants and food trucks from the financial and reputational risks of foodborne illness, spoilage, or tampering. Food contamination can occur due to various causes, such as improper handling, storage, preparation, or delivery of food products, as well as malicious acts or public health authority announcements.

Food contamination insurance can cover different types of losses, such as business interruption, brand rehabilitation, recall costs, extortion costs and consultant and advisor expenses. 



Food contamination insurance is not mandatory in Ohio, but it may be beneficial for restaurants and food trucks that want to safeguard their business from potential lawsuits, fines, or penalties.

If you own or operate a restaurant in Ohio, you may be wondering why you need cyber liability insurance. After all, you are not a tech company or a major retailer. However, the reality is that cyber attacks do not discriminate by size or industry. According to the National Cyber Security Alliance, 60% of small and medium businesses that suffer a cyber attack are out of business within six months of a breach. Restaurants are especially vulnerable to cyber risks because they handle a large volume of transactions and store sensitive customer data.

Cyber liability insurance can help you mitigate and minimize the devastating effects of a data breach while ensuring your business remains compliant with federal and state regulations. Depending on the policy you choose, cyber liability insurance can cover expenses such as:

• The investigation of a data breach
• The cost of legal counsel
• The cost of communicating the breach to customers (which is required by mail in many states)
• The cost of business interruption if your network is down
• The public relations expenses to restore your reputation
• The third-party costs, such as legal defense, settlements, judgments, credit card re-issuance, and regulatory fines

Cyber liability insurance is no longer optional for restaurants in Ohio. It is a vital part of your risk management strategy and a small fraction of the cost a breach can have on your business.

You should consult with an experienced insurance agent who can help you customize your policy according to your specific needs and budget. By getting the right restaurant insurance in Ohio, you can focus on running your business with confidence and peace of mind.

Whether you own a small cafe, a fast-food chain, or a fine dining establishment, you need to protect your business from various risks. 

We are ready to help you compare restaurant insurance premiums in Ohio.



To find the best rates and coverage options for your restaurant, fill out our online form and get free quotes from multiple insurers in minutes.