General Contractors Insurance in Ohio

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Why do Ohio general contractors need insurance?

The Buckeye State is home to a thriving construction industry. It is estimated that more than 94 800 sole-proprietors are employed in this field.

Construction sites can be dangerous to be. An incident of a minor nature can result in a huge risk for your small company regardless of whether you’re involved in commercial or residential construction projects. Contractor insurance safeguards Ohio businesses from costly delays, accidents and other issues that are common to small businesses.

Contractor insurance refers to different types of coverage that a general contractor may take into consideration.

  • General Liability
  • Business Owner’s Policy
  • Workers’ Compensation

Find out more about Ohio contractor’s insurance and how you can find top-rated policies for your company through BizInsure.

Who may need contractors insurance in Ohio?

A lot of contractors purchase insurance policies to help protect their business and personal finances. The coverage provided by General Liability and other types of insurance can create a critical safety net for your business and you.

It is possible that you will require specific types of insurance to be able to work with certain clients. This requirement is usually included in contracts.

Select your occupation from the following list to get more information about the options available for insurance and to start with a personalized insurance quote.

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What are the common insurance policies for contractors in Ohio?

There are a variety of contractor insurance that Ohio tradespeople often consider. These insurance policies can help you mitigate the common risks that general contractors have to face.

General Liability Insurance

On a construction site, anything can happen. If someone is injured through your negligence like leaving a toolbox in an unsuitable location, it could be an enormous problem for you and your business.

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, General Liability insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

General Liability Insurance safeguards your finances by covering your legal expenses if someone claims that they were injured by you or property damage. The policy will cover medical expenses, repair costs or replacement costs.

Business Owner’s Policy

Construction industry workers know that sometimes things don’t work out as planned. Broken equipment, incomplete projects, and other issues could make it difficult to meet your deadlines.

Business Owner’s Policy (BOP) is a combination of policies, combining covers such as General Liability insurance and business personal property coverage, to help protect small businesses from costly interruptions to service.

Your BOP can be tailored to include coverage options that fit the needs of your business. It is a simple and affordable way of protecting your business from the most common dangers that contractors are exposed to.

Workers’ Compensation Insurance

If your company is dependent on your employees, you need to make sure they are safe and healthy while at work.

Workers’ Compensation insurance protects your company and its employees. If any of your employees get injured at work or are ill, this type of insurance will cover their medical bills. It will also cover some of their lost income if they’re unable to work because of the injury, as well as rehabilitation or physical therapy to transition the employee back into the workplace.

In Ohio, businesses are required to obtain Workers’ Compensation insurance for their employees.

What does contractor insurance cover in Ohio?

Contractor insurance can protect you and your business from a wide range of risk. Based on the type of coverage you select, you may be protected against such incidents as:

  • Protection for Third-Party Injuries and Property Damage Claims (General Liability)
  • Unexpected disruptions to business (Business Owner’s Policy)
  • Equipment breakdown (BOP)
  • Workplace injuries and illnesses (Workers’ Compensation)

How much does contractor insurance cost in Ohio?

Prices for business insurance vary because insurers look at many factors to determine each premium. Your business’s insurance cost may be affected by:

  • The kind of insurance you’re looking for
  • The size of your company (annual revenues)
  • What is the maximum number of people that the policy able to be able to cover?
  • Your claim your history
  • You can choose the coverage you require

How BizInsure helps contractors thrive in Ohio

BizInsure makes it easy to protect your contracting business.

You can compare multiple quotes in 10 minutes to find the right coverage for you. With policy documents sent straight to your email, you’ll be covered immediately.

Need some help in your work? Our licensed agents are happy to help at any stage along the way!

Compare quotes now to determine suitable insurance for your Ohio general contractors business.

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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