
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



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