General Liability | Property | Workers’ Comp | Business Interruption
Running a 24-hour diner means long shifts, loyal regulars, and constant motion — but also constant risk. From late-night customers and kitchen fires to employee injuries and property damage, one major incident can threaten your business and your livelihood.
At Catanzaro Insurance, we help diners and family restaurants across Ohio, Indiana, and Illinois protect what they’ve built. We understand the challenges of running around-the-clock operations — and we make getting coverage simple, fast, and affordable.
✅ What Coverage Does a Diner Need?
General Liability
Protects against injuries or property damage that occur on your premises. Whether a customer slips on a spill or a coffee pot burns someone’s hand, this coverage keeps your business protected.
Property Insurance
Covers your building, furniture, signage, and kitchen equipment from fire, theft, or vandalism.
Business Interruption
Replaces lost income if your diner must temporarily close after a covered event, such as a fire or storm.
Workers’ Compensation
Covers employee injuries on the job — from grease burns and lifting injuries to late-night incidents.
Equipment Breakdown
Covers repair or replacement of vital equipment such as fryers, stoves, or refrigeration units if they fail unexpectedly.
Crime & Theft Coverage
Protects against burglary or employee dishonesty — a valuable safeguard for businesses open late or overnight.
Optional Coverages
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Cyber Liability: Protects against POS or customer data breaches.
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Commercial Auto: For diners offering delivery or catering.
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Umbrella Liability: Adds extra protection above your base policies.
🍳 Who Needs Diner Insurance?
We insure a variety of restaurants and late-night establishments, including:
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24-hour diners and breakfast cafés
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Family-style and roadside restaurants
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Truck stop diners and travel center cafés
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Coffee shops and quick-service cafés with extended hours
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Round-the-clock food operations
If your business runs day and night, you face unique risks — from staffing and safety to equipment reliability. We’ll help you build coverage that fits your schedule and budget.
💼 Why Choose Catanzaro Insurance
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Licensed in Ohio, Indiana, Illinois, Wisconsin, Iowa, Arizona, and Texas
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Experience with restaurants open late or 24/7
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Fast Certificates for landlords or lease requirements
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Real human support — not automated quoting
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Honest advice from specialists who understand restaurant risks
We don’t just sell policies — we help business owners make confident coverage decisions that protect their employees and revenue.
🔥 Real-World Scenarios
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A fryer fire damages your kitchen — Property Coverage pays for repairs.
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A late-night customer slips on a wet floor — General Liability covers medical bills.
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A cook gets burned on the grill — Workers’ Comp covers treatment and wages.
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A power outage spoils food overnight — Business Interruption helps replace losses.
❓ 24-Hour Diner Insurance FAQs
Q: Why does my diner need specialized coverage?
A: Diners operating overnight face greater liability and employee exposure, so your insurance must reflect those risks.
Q: How much does diner insurance cost in Ohio?
A: Most 24-hour diners pay $3,000–$7,000 per year, depending on size, staff, and hours.
Q: Can you insure multiple locations?
A: Yes — we can cover multiple diners under a single package policy.
📞 Get a Free 24-Hour Diner Insurance Quote
Protect your restaurant, your team, and your peace of mind with coverage designed for around-the-clock operations.
📞 Call 614-489-8383
📧 Email info@catanzaroinsurance.com
Or complete the short form below to request a quote.
We’ll review your setup, identify coverage gaps, and provide competitive options tailored for diner owners in Ohio, Indiana, and Illinois.
🔗 Learn More
Learn more about insurance for food and beverage businesses here.