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Insurance for lawyers in Ohio

Learn about business insurance requirements and the most common policies for lawyers in Ohio.

Which policies are required for lawyers in Ohio?

If you have a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by lawyers in Ohio, general liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.

State law in Ohio requires every small business with employees to provide workers’ compensation insurance through the state fund. Businesses that own a vehicle must purchase commercial auto insurance and meet state requirements for auto liability coverage.

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What are the most common insurance policies for Ohio lawyers?

Ohio lawyers most often buy these insurance policies. You may need some or all of these policies depending on the specifics of your business, such as the number of employees and requirements outlined in contracts and leases.

Business owner’s policy icon

Business owner's policy (BOP)

A small law firm might qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability insurance at an affordable rate.

General liability insurance icon

General liability insurance

General liability insurance is the foundation of a lawyer’s business protection, with coverage that extends to client injuries, client property damage, and advertising injuries. Most commercial leases require you to have this coverage.

Workers’ compensation insurance icon

Ohio workers' compensation

If you own a law firm in Ohio that has employees, you are required to carry workers’ compensation coverage through the state fund. This policy helps pay for medical expenses and partial lost wages following a work injury.

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Commercial auto insurance

Commercial auto insurance is required for business-owned vehicles, while hired and non-owned auto insurance (HNOA) covers vehicles that your business uses but does not own. This policy covers the cost of accidents involving a law firm's vehicle, including property damage and medical expenses.

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Cyber liability insurance

Cyber liability insurance helps law firms survive costly data breaches and cyberattacks. This policy can cover client notification costs, credit monitoring services, and other related expenses.

How much does insurance cost for Ohio lawyers?

The typical lawyer in Ohio can expect to pay less than the national median for business insurance, according to an analysis of Insureon's customer data.

For example, the median annual cost of a business owner’s policy for a lawyer in Ohio is $916, slightly less than the national median of $1,000. Similarly, the median annual premium for general liability insurance for Ohio lawyers is $425, much less than the national median of $633.

Median insurance costs for Ohio lawyers.

Save time and money with Insureon

Insureon’s industry-leading technology helps lawyers in Ohio save time and money shopping for insurance by comparing policies from top U.S. carriers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in Ohio and can answer your questions as you consider coverage.

To make the application go quicker, have this information ready:

  • Workforce details, such as the number and types of employees
  • Current and projected revenue
  • Business partnerships
  • Insurance history and prior claims
  • Commercial lease insurance requirements

Apply for free insurance quotes for lawyers today.

Updated: May 3, 2022
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