A few short minutes can save you up to 65% or more
with Ohio’s leading contractors' insurance programs –
Contractors
Insurance
Ohio
Ohio
Contractors Insurance
Stop overpaying for coverage in the Buckeye State!
A few short minutes can save you up to 65% or more with Ohio’s leading contractors’ insurance programs –
Coverage for Ohio Contractors
With unparalleled access to the nation's top-rated specialty programs, our Ohio Contractors Insurance options provide comprehensive and cost-effective solutions for trades of all sizes, ensuring 24/7 peace of mind –
What is Ohio Contractors’ Insurance?
Ohio contractors’ insurance is your shield against the financial risks inherent at every stage of business operations, providing a safety net for your business.
Why Do I Need It?
From Cleveland to Cincinnati, construction sites are undeniably among the most hazardous workplaces in Ohio. Like all other states in the U.S., Ohio’s contractors, subcontractors, and specialty trades face numerous safety hazards leading to workplace mishaps and injuries. From roofers to construction site cleanup specialists, contractors of all trades risk severe injuries due to careless workers or employer negligence. Unforeseen hazards causing significant property damage or wrongful death lawsuits can have devastating consequences if not properly protected against employee or third-party legal actions.
Transferring risks to a top-tier contractors’ insurance package offers robust and comprehensive protection against falls, electrocution, being caught in or between objects, and property damage exposures, ensuring your business is well-protected so you can work with confidence.
Protect Against the Unpredictable
We strongly advised Ohio contractors to consult their city, county, or state licensing agencies to confirm laws, regulations, upfront fees, and required documentation before commencing operations.
For additional licensing information, please visit the Ohio Department of Commerce.
With low premiums that fit any budget, our licensed experts are ready to provide Ohio builders and tradesmen with the insurance options that best suit their business needs, giving them the financial security needed to run your company effectively.
Our Recommended Products
General Liability
General Liability
Ohio contractors’ general liability insurance is a key component of a robust insurance program.
An Ohio contractors’ general liability policy — also known as Ohio contractor business liability insurance — safeguards businesses from third-party losses due to day-to-day business operations.
The Ohio contractors’ general liability policy provides limits for:
- Business Liability Coverage
- Liability Assumed Under a Contract
- Products Liability Coverage
- Completed Operations
- Defense Costs
- Plus More Protection
Workers' Comp
Workers' Comp
Ohio is one of the nation’s few monopolistic contractors’ workers’ compensation states.
The state of Ohio provides contractors’ workers’ comp insurance through the state-administered fund.
Please visit the Ohio Bureau of Workers’ Compensation to review contractors’ workers’ compensation laws and regulations.
Surety Bonds
Surety Bonds
Various contractors may be required to post an Ohio contractor bond to comply with licensing prerequisites.
Ohio contractors’ surety bonds protect against potential default or failure to complete contractual commitments.
Ohio contractor surety bond requirements may vary with each jurisdiction, depending on license type and trade.
Please visit your city, county, or local jurisdiction to verify Ohio contractors’ surety bond requirements, laws, and regulations.
Commercial Auto
Commercial Auto
An Ohio contractor business auto policy — also known as Ohio contractors’ commercial auto insurance, provides coverage for liability, damages, or the replacement of your business-owned vehicles.
Ohio contractors’ business auto insurance covers company-owned vehicles damaged by vandalism or theft.
An Ohio contractors’ commercial auto policy provides:
- Coverage for Property Damage
- Coverage for Bodily Injury
- Coverage for Comprehensive Damage
- Coverage for Collision Damage
- Coverage for Hired & Non-Owned Vehicles
- And Much More
Inland Marine
Inland Marine
An Ohio contractors’ tool and equipment policy — also known as Ohio contractor inland marine insurance, financially safeguards business tools, equipment, and material located at a job site, in transit, or stored at an off-site location.
Ohio contractors’ inland marine insurance provides a broad range of coverage for such common perils:
- Wind Damage
- Hail Damage
- Fire Damage
- Water Damage
The Ohio contractors’ inland marine policy covers “installation” risks, vandalism, lost or stolen items, equipment breakage, and damaged leased or rented equipment.
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