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Contractors Insurance in Ohio

For contractors operating in Ohio, all licensing is done at the local level except for electrical, plumbing, HVAC, and refrigeration contractors which must be licensed by the state. Contractors requiring a state license should visit the Ohio Department of Commerce for information on licensing.

For contractors needing local jurisdiction license information, Ohio cities typically have websites that will have the contractor information for you to review. As for workers’ compensation insurance, Ohio requires that all employers with one or more employees to carry workers’ compensation insurance. Policies can only be purchased through the state-administered workers’ comp fund.

Protect Your Business with Contractors Insurance from Fairbanks Insurance

Like all other states in the U.S., Ohio contractors, subcontractors, and specialty contractors, are continuously exposed to various risks that should be mitigated by transferring them to a highly-rated commercial insurance company.

Here is What We Recommend:

General Liability


The General Liability insurance offered by Fairbanks Insurance Brokers should be the foundation of your business insurance package. The general liability insurance policy provides protection from everyday risks like:

  • If your business is found liable for bodily injury or property damage to a third-party
  • Contractual liability associated with contractual agreements you enter into
  • Products Completed Operations that protects your business if there are problems with products you produce or install.
  • Defense Costs – Any legal action that is filed against your business will require a response from an attorney. Your insurance company will pay to respond and defend your business.

Workers' Comp


Workers’ Compensation Insurance in Ohio is only offered through the state’s workers’ compensation guarantee fund. Contractors can purchase this valuable coverage by visiting the Ohio Bureau of Workers’ Compensation.

Commercial Auto


Any vehicle that is owned or used by your contracting business should be insured under a Commercial Auto policy. A commercial auto policy provides higher liability limits which will be required by larger customers and government organizations. There are typically no limits on the number of vehicles, trailers, or drivers on the policy. Your commercial auto insurance provides protection for liability and damages or the replacement of your insured vehicles.

Tool Coverage


Contractors use many kinds of tools and special equipment that can be very expensive to replace if they are damaged or stolen at the jobsite, in transit, or in storage. When your business is covered by a Fairbanks Insurance Brokers contractors’ inland marine policy, these risks are transferred to an insurance company that will pay to repair or replace your tools and equipment.

Surety Bonds


Although most state licensing boards require a surety bond before they will issue a contractor’s license, you will likely need additional bonds for bidding on projects or working on government projects. The professionals at Fairbanks Insurance Brokers understand bonding and will find the right bond for you at an affordable price. The most common types of bonds used by contractors are:

Fairbanks Insurance Brokers is a leader in providing contractors insurance and is dedicated to providing Contractors and Builders the finest insurance protection at the lowest rates throughout the construction community.

With savings up to 65% on General Liability, Workers’ Compensation, Commercial Auto and Bonds, you can count on us to do the heavy lifting and provide you the most competitive quote that includes all the discounts for which you qualify.

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