Ohio Contractors Insurance
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Business Insurance for Contractors in Ohio
If you’re a Carpenter, Concrete Contractor, Drywaller, Electrician, Handyman, Plumber, or Roofer in Ohio, you’ve likely heard about contractor’s insurance.
But what does it all mean, and do you need one?
We will cover the different types of Ohio Contractors’ insurance available and how these policies protect your business.
We’ll go over the seven of them:
- General Liability,
- Workers’ Compensation,
- Commercial Auto,
- Builders Risk,
- Inland Marine,
- Commercial Umbrella,
- and ACORD Certificates to help you protect your company.
We’ll summarize why Ohio contractors need business insurance.
Ohio Contractors General Liability Insurance
Ohio Contractors General Liability Insurance is a must-have if you’re a contractor in Ohio. This type of insurance protects against claims or lawsuits related to bodily injury, property damage, and personal & advertising injury caused by your business operations.
It can help cover medical bills, legal defense fees, settlements, and judgments that may come up due to these incidents. This coverage also includes product liability for any products or completed work that causes harm due to defects or negligence.
Without this insurance, contractors could be held liable for damages they cannot afford – making it essential for anyone operating in Ohio.
Ohio Workers' Compensation Insurance
Ohio Workers’ Compensation Insurance is required for every contractor doing business in the state. This sort of insurance protects employees who are injured or unwell as a result of work-related activities such as on-site accidents or repetitive motion injuries.
Workman’s Compensation can pay medical bills, lost income, and rehabilitation costs, removing the financial burden from your employees in the event of a work-related injury or illness. Furthermore, it protects you from being held accountable if someone makes a claim against you after being injured on the job.
With Ohio Workers’ Compensation Insurance, contractors may rest easy knowing they’re covered if something unexpected happens.
Ohio Commercial Auto Insurance
Contractors in Ohio require Commercial Auto Insurance. This insurance covers business vans and trucks against damages and liability. It can cover medical expenses, legal bills, settlements, and judgments resulting from commercial vehicle accidents. It also protects you if one of your company’s vehicles causes property damage.
Contractors who transport goods or persons must have commercial auto insurance. Without this coverage, you may have to bear the costs of an accident involving a corporate vehicle. Proper coverage protects you and your employees from unexpected financial hardship by covering all repairs and other expenses.
Ohio Builder's Risk Insurance
Builders Risk Insurance covers building projects against fire, vandalism, and theft. It contributes to repairs, replacement materials, and other job-site expenses. With this insurance, contractors will not need to worry in case the unexpected happens. Furthermore, having Ohio Builders Insurance insurance will give you peace of mind if you ever need to file a claim.
Builder’s risk insurance is required in Ohio for anyone who wishes to safeguard their business from building dangers and liability. This type of insurance protects you financially if something goes wrong at work.
Whether you’re just starting out or already running a contracting business in Ohio, get builder’s risk insurance today so that all parties are covered if something goes wrong.
Ohio Inland Marine Insurance
Building contractors in Ohio cannot function legally without Inland Marine Insurance. Tools and equipment that are being transported or stored away from the business are protected by this insurance.
If a contractor’s tools go missing in Ohio, they will be covered by Ohio Inland Marine Insurance. You won’t have to stress about the cost of replacing things that have been lost, stolen, or destroyed because the insurance will cover all.
Always-moving contractors should invest in this protection because their equipment’s safety is never assured when out of sight. Knowing that you can get back some or all of your money if something gets damaged or lost in transit is a huge relief.
Ensure you and your clients are protected by purchasing Ohio Inland Marine Insurance before starting any significant projects.
Ohio Commercial Umbrella Insurance / COI
With Ohio commercial umbrella insurance, your business is better secured. It’s like having an extra layer of defense in case you need it. This insurance is perfect for property damages, bodily harm, libel, and slander. It helps ensure that all parties involved are taken care of in case of any incident or when other liability coverages are maxed out.
Contractors in Ohio must have commercial umbrella insurance to safeguard their firms from dangers and legal action. Before starting any project, big or little, be sure you have Ohio Commercial Umbrella Insurance to protect yourself and your clients.
Ohio ACORD Certificates
An Ohio ACORD Certificate of Insurance protects your company and guarantees that you comply with state insurance laws. This one-page document demonstrates that you have all the necessary coverage so that if something unexpected occurs on a project, you and your clients will not suffer financial losses. Plus, obtaining this certificate ensures a smooth audit or other situations needing proof of guilt.
Ohio contractors require an ACORD Certificate of Insurance to stay safe and comply with insurance policies. It guarantees that everyone understands what they are protected from if something goes wrong on the job site.
So please don’t put it off any longer; get Ohio ACORD Certificates today to protect yourself and your clients.
Business Insurance for Contractors in Ohio
To stay safe and compliant, Ohio contractors need business insurance. It’s a simple but powerful approach toward protecting yourself from financial losses and gaining peace of mind if something unexpected occurs during a project. You can get dependable business insurance now to work without worry.
Overall, contractor insurance in Ohio is a vital asset. General liability, workers’ Compensation, auto, builders risk, inland marine, and commercial umbrella insurance provide Ohio contractors with the peace of mind they need to do business. ACORD certificates are provided to prove compliance as required. Investing in these services will aid in the protection of your company. Contact us today for cheap, fast, and custom-designed quotes.
Your Ohio Contractors Insurance Questions Answered
Get answers to your most common questions from Contractors Liability
For General Liability Insurance in Ohio, you need $1,000,000 per occurrence and $2,000,000 aggregate almost 100% of the time. 99% of all General Liability policies we sell in Ohio are $1,000,000/$2,000,000.
For Commercial Auto Insurance in Ohio, you need $1,000,000 CSL meaning $1,000,000 Combined Single Limit for Bodily Injury and Property Damage to the other party combined. To protect your Ohio vehicle, you need to have Comprehensive collision coverage. Commercial Auto Collision Insurance in Ohio covers any collision, and Comprehensive Commercial Auto Insurance covers anything but collision.
For Worker’s Compensation Insurance in Ohio, you need $500,000/$500,000/$500,000. This covers your workers in a claim where the owner is liable for up to $500,000. In 99% of cases, the owner is not liable, and coverage for worker’s compensation is unlimited.