Restaurant Insurance Dayton Ohio

LFL Insurance Agency, LLC will help protect your Dayton Restaurant from financial loss due to some unforeseen disaster. Every restaurant in Ohio is unique. Therefore, the restaurant insurance program protecting each on of these establishment should be unique, too. Restaurant Liability Insurance will in most cases contain the same types of coverage.

The most common types of restaurant insurance in Ohio may include :

• Restaurant Property Insurance – Protects your restaurant in case of fire or other events. It may not cover natural disasters, such as floods or earthquakes (see below for a policy that does.) If you have any kind of mortgage on your restaurant business and/or equipment you are leasing for your Ohio restaurant, then you should carry a restaurant property insurance policy.


• Restaurant General Liability Insurance – This is the umbrella policy that protects you in the event someone slips and falls in your restaurant, gets sick after eating there (whether it was your fault or not). This is a must have in today’s sometime sue-happy world.


• Restaurant Liquor Liability Insurance – Most states require that any establishment holding a liquor license carry liquor liability Insurance as part of their restaurant insurance policy. It helps protect you if a customer has too much to drink and drives and hurts themselves or someone else leaving your Ohio restaurant.


• Restaurant Auto Liability Insurance – If you have a company vehicle for use to delver or pick up food for your Ohio restaurant, this is a good insurance to have. It may be covered in your restaurant general liability policy, but always check with our insurance agent first.


• Restaurant Workers Comp Insurance – Protects you if an employee is hurt while working in your Dayton Ohio restaurant. Most states require that all employers carry some type of workers’ comp.

Some exposures are easy to spot; however, others take time and attention. For example, how does one quantify the potential losses for your Ohio Restaurant due to an interruption of business, and how is that information properly related to the Restaurant Insurance Coverage provided by the Dayton Ohio restaurant insurance policy? If outside power fails, what damage can that cause, and to what extent can that potential financial loss be protected? Is your food covered for spoilage? Do you have adequate protection in the event of a liquor liability claim? Are you properly protected from a claim arising from a delivery of food?

Through LFL Insurance Agency, LLC’s Unique Programs, We Provide: The best possible Restaurant Insurance (cost/coverage), combination for your restaurant's property, and casualty insurance needs. An experienced staff, who understands the challenges of running a Dayton Ohio restaurant and the coverages needed to protect your restaurant business. Outstanding service geared to deliver results without delay. A customized restaurant insurance program to meet your specific assets, exposures, and coverage needs at a price you can afford.

For more information on obtaining an Restaurant Insurance contact, LFL Insurance Agency, LLC at 937-222-5884 or fill out our online form above for your FREE Restaurant Insurance Quote today.

Ohio Insurance Agency offering Restaurant Insurance policies in
Dayton, Huber Heights, Kettering, and Trotwood Ohio.