Contractor Insurance in Ohio
Whether you are a solo handyman or a 20-person construction crew, we build contractor policies that get you on the job, on the COI, and home safely — without overpaying.
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Contractor Insurance in Ohio
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Built for Ohio trades
We insure roofers, HVAC contractors, electricians, plumbers, painters, general contractors, drywall and flooring installers, landscapers, and concrete crews across Ohio. Each trade has different exposure — and the right carrier knows it.
You get a real agent who issues certificates of insurance (COIs) the same day, so you never lose a job because of paperwork delays.
What contractors actually need
General liability with at least $1M / $2M limits — usually required by GCs, property managers, and municipalities. Workers comp through the Ohio BWC if you have any employees (often required even for a single W-2 employee).
Tools and equipment coverage (inland marine) protects your gear — power tools, ladders, generators — on the job site and in your truck. Standard policies don't cover stolen tools from a locked vehicle without this endorsement.
Commercial auto for trucks and trailers used in the business. Personal auto policies exclude business use — a denied claim because of this is one of the most common contractor disasters we see.
Bonds, additional insureds, and getting on the COI
Many jobs require you to list the GC or property owner as an additional insured on your policy. We handle this same-day, included in your service.
Some Ohio municipalities and license boards require surety bonds (license bonds, performance bonds, payment bonds). We work with bond markets and can usually issue $10K–$100K bonds quickly.
Frequently Asked Questions
Quick answers about contractor insurance in Ohio, OH.
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Plain-English guides from our blog — relevant to contractor insurance.