Insurance & risk

What to ask before you bind a policy

Take this into the call. No vendor gets to edit this list.

1. Do you write restaurants specifically, and do you place liquor liability? Not every commercial agent does.
2. How fast can you issue a certificate of insurance naming a specific additional insured? You will need this for the city, your landlord, your commissary, and every event.
3. Does my general liability meet the minimums my permits and leases require — including the $100,000 the city asks of mobile vendors?
4. What does the property policy actually cover on equipment and spoilage? Ask specifically about walk-in failure and extended power outage.
5. Do you handle Ohio workers’ compensation, and can you advise on the group rating programs?
6. Is business interruption included, and what triggers it? A three-week closure after a fire is the scenario to price.
7. What is excluded that I would assume is covered?

Listings

Listed alphabetically. Order is never sold or influenced by sponsorship.

• The Allen Thomas Group

  Independent agency with a food and beverage practice, placing general liability, liquor liability, commercial property, workers' compensation, commercial auto, business interruption, equipment breakdown, cyber, and employment practices coverage for restaurants.

  Services: General liability · Liquor liability · Commercial property · Workers' compensation · Business interruption · Equipment breakdown

  Serves: Cuyahoga, Summit, Lake, Lorain, Medina, Portage, Geauga counties

  Independent, so they shop multiple carriers rather than representing one — usually what you want on a restaurant risk. Equipment breakdown is worth asking about specifically: a walk-in failure with a full load of product is the claim most operators are underinsured for. Note the office is in Akron despite the Cleveland page; confirm who handles your account and whether anyone visits the site.

  453 S High St, Suite 101, Akron, OH 44311
  440-826-3676

  Verified Aug 9, 2026 · number checked against 1 source

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