Restaurant & Taverns

We offer property and liability insurance solutions, including special restaurant enhancements, designed specifically to meet the needs of restaurants. We provide programs for start-up operations as well as those that are well established.

  • Family-style dining
  • Fine dining
  • Casual dining
  • Catering
  • Food trucks
  • And many more

We specialize in customizing package policies that offer coverage for the specific needs of each individual restaurant operation. Sample coverage offerings include:

  • Equipment breakdown coverage
  • Food contamination/food spoilage
  • Employment-related practices liability coverage
  • Data compromise/identity theft
  • Computer and media coverage
  • Cyber liability
  • Crime and fidelity
  • Off-premises power interruption, including overhead transmission lines
  • Loss of business income, including extra expense and leasehold interest
  • Flood coverage
  • Earthquake coverage
  • Umbrella/excess liability
  • Workers compensation for multi-state locations

Other aspects that we can accommodate:

  • Valet parking
  • Liquor liability
  • Special events liability for events held on or off premises

Trade Contractors

We offer a comprehensive policy that addresses the unique coverage requirements for most varieties of contractors.

More than 45 classes of contractors including but not limited to:

  • Electricians
  • Excavation/grading of land
  • Paving (driveway, parking lots, sidewalks)
  • Carpentry
  • Concrete work
  • Drywall installation
  • Fence erection
  • Floor covering
  • Handyperson
  • Landscaping
  • Masonry
  • Interior/exterior painting
  • Plumbing
  • Roofing
  • Septic tank system installation/servicing/repair
  • Snow removal

Coverage items to consider:

  • Certificates and proof of insurance issued in a timely manner
  • Blanket coverage for additional insured endorsement available
  • Blanket coverage for portable tools available
  • Coverage for your equipment
  • Coverage for leased, rented, borrowed equipment available
  • Explosion, collapse, and underground coverage included on all classes available
  • Shop, tools, and inventory coverage available
  • Prompt PUCO and Wide-Load (OS-32) filings
  • Employers liability available
  • Employment practices liability insurance available
  • Excess/umbrella coverage available

Landscapers

We offer a comprehensive policy that addresses the unique coverage requirements for landscape contractors, including but not limited to:

  • Residential
  • Commercial
  • Light tree trimming
  • Fence erection
  • Patio construction
  • Masonry work
  • Snow removal

Coverage items to consider:

  • Ohio Department of Agriculture’s Pesticide Applicator’s Coverage
  • Certificates and proof of insurance issued in a timely manner
  • Blanket coverage for additional insured endorsement available
  • Blanket coverage for portable tools available
  • Coverage for your equipment
  • Coverage for leased, rented, and borrowed equipment available
  • Explosion, collapse, and underground coverage included on all classes available
  • Shop, tools, and inventory coverage available
  • Prompt PUCO and wide-load (OS-32) filings
  • Employers liability available
  • Employment practices liability insurance available
  • Excess/umbrella coverage available

Automotive Service & Body Shops

Automotive service garages and body shops have unique liability exposures that require careful review and we can provide your company with a comprehensive coverage package.

Here are some key areas of protection we can provide:

  • Garage liability (business liability for service garages)
  • Garage keepers liability
  • Auto liability
  • Towing liability
  • Theft and damage from theft
  • Customer property in your care
  • Business continuation protection
  • Equipment and contents on and off site

Auto Dealers - Used

Car, boat, and motorcycle dealerships have unique liability exposures that require careful review, and we can provide your company with a comprehensive coverage package.

Here are some of the key areas of protection we can provide:

  • Garage liability – business liability for dealerships
  • Inventory physical damage
  • Garage keepers liability
  • Auto liability
  • False pretense
  • Truth in lending/leasing liability
  • Federal odometer and prior damage disclosure liability
  • Title errors and omissions
  • Theft and damage from theft
  • Customer property in your care
  • Business continuation protection
  • Equipment and contents

Trucking

We offer a comprehensive policy that addresses the unique coverage requirements for truckers:

  • Dump truck companies hauling sand, gravel, dirt, asphalt, stone, construction material
  • Regional full-truckload and less-than truckload companies
  • For-hire and not-for-hire farm aggregate hauling companies
  • Regional small package delivery companies
  • One truck to fleets of 50 or more trucks

We specialize in customizing package policies that can offer coverage for the specific needs of each individual trucking operation:

  • Prompt state and federal filings
  • Certificate and proof of insurance issuance in a timely manner
  • Safety meetings for drivers and fleet management to mitigate foreseeable incidents
  • Quick turnaround on reviews for new ventures
  • Knowledge of the truck broker insurance requirements

Other items to consider:

  • Loss of income/downtime coverage available with select markets
  • Job-site debris clean-up available
  • Cargo including refrigerated [reefer] breakdown available
  • Excess/umbrella coverage available
  • Shop, tool, and inventory coverage available
  • Fuel tank and tank fuel coverage available
  • Employers liability available
  • Employment practices liability insurance available
  • Employee benefits coverage available

Websites:

Farm Insurance

We offer a comprehensive review of your farm that addresses the unique coverage requirements for most all farm exposures, to include:

  • Hog Farms
  • Poultry Farms
  • Livestock Farms
  • Dairy Farms
  • Hay Farms
  • Equine Farms
  • Gentleman Farms

Specialized coverage items:

  • Confinement Buildings.
  • Farm Property Blanket Coverage.
  • Loss of Farm Income and Extra Expense.
  • Peak Season Coverage.
  • Equipment Breakdown.
  • Pollution Coverage.
  • Farm Markets Off Premise.
  • Employers Liability.
  • Employment Practices Liability Insurance.
  • Excess/Umbrella Coverage.

Misc. Product Lines

We provide coverage for the things that matter most in life – you and your loved ones. We offer the following types of insurance to ensure that you and your loved ones are protected in any situation:

Cyber Liability Insurance

We offer cyber liability policies and endorsements to our business clients. This protects and assists with:
• Your data
• Your customers’ information
• Data breach response assistance
• Data breach compliance assistance
• Data breach liability to affected parties
Cyber risks include:
• Identity theft as a result of security breaches where sensitive information is stolen by a hacker or inadvertently disclosed, including such data elements as Social Security numbers, credit card numbers, employee identification numbers, drivers’ license numbers, birth dates, and PIN numbers
• Business interruption from a hacker shutting down a network
• Damage to the firm’s reputation
• Costs associated with damage to data records caused by a hacker
• Theft of valuable digital assets, including customer lists, business trade secrets. and other similar electronic business assets
• Introduction of malware, worms. and other malicious computer code
• Human error leading to inadvertent disclosure of sensitive information, such as an email from an employee to unintended recipients containing sensitive business information or personal identifying information
• The cost of credit monitoring services for people impacted by a security breach
• Lawsuits alleging trademark or copyright infringement

Employment-Related Practices Liability Insurance

We offer employment-related practices liability insurance to protect all types of businesses from suits brought about by:
• Hiring
• Discrimination
• Termination
• Harassment
• Compensation
• Promotions
• Disabilities

Surety Bonds

We offer Surety Bonds to meet various needs:
• License and Permit
• Bid and Performance
• Fidelity
• Fiduciary
• Durable Medical Equipment
• Business Services
• Profit Sharing including ERISA

Workers’ Compensation

We offer employers liability in Ohio and multi-state workers’ compensation policies to businesses of all types. We provide programs for operations that are just starting up as well as those that are well established.
• Restaurants
• Contractors
• Service providers
• Offices
• Mercantiles
• And many more eligible operations
Other aspects that we can accommodate:
• Loss control services

Jane Mannon
Always there for questions. Answered in a professional manor, friendly and always glad to help. Thanks Janny for your help and friendship through the years.
Constance LaPLante
Very helpful in getting our business insurance straightened around when other agencies couldn't or wouldn't help!! Love Tina and all the team at Greene County Insurance!!
Harry Kelley
One of the best companies that I have ever done business with. I have been with them for many years and they have always had my back. Great people there in Xenia. Thank you.
Jeffrey Renick
We have been with Green County about 30 years. We have always received excellent customer service. If we had a claim on our home, or auto insurance it has been handled quickly. I would recommend them to everyone.
Russell Grooms
Love the Insurance coverage, price is right and all of the benefits that comes with it I tell people all time about Greene County Insurance, but I don’t think they call their loss thank you keep up the good work Tina
Mitch Miller
Cathy was very professional and friendly, we felt like she truly cared about our insurance needs. We absolutely will, and have recommended Greene County Insurance to all our friends
Todd Nolen
We have been with Greene Co. Insurance for over 25 years. We have always been happy with their service. The staff is very friendly. They are there to serve you and help in any way they can.
Edward Graham
It was Tina this time, but everyone is courteous and pleasant no matter who answers the phone. Everyone is always efficient at responding to a request or emailing an answer. Tony would be proud.
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About Us

Our agency’s founder was a very special and well-respected man, Tony Yates. Tony was a unique combination of wisdom, spunk, and honesty

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