Business Insurance in Ohio

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What are the requirements for small business insurance in Ohio?

State laws can affect which insurance policies you need for your small business. These policies are required for Ohio businesses.
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Workers' compensation insurance

The workers’ compensation system in Ohio is different than in most other states. Ohio law requires every business with employees to provide workers’ compensation insurance purchased through a state agency. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

All business-owned vehicles in Ohio must be covered by commercial auto insurance. Ohio requires $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability per accident.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Recommended insurance policies for small businesses in Ohio

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Find policies for your profession

Photographers, nurses, and lawyers need different insurance coverage. Insureon offers policies for the following Ohio professions and more:

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How much does small business insurance cost?

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Commercial insurance can be affordable for a small Ohio business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in Ohio business insurance

In Ohio, insurance agents, agencies, and brokers are licensed by the Ohio Department of Insurance. Insureon is licensed in Ohio as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 41170). Verify our licensure by using the Ohio Department of Insurance Agent/Agency Locator: search for business entities, then enter our license number.

What our customers are saying
"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"
Jessica Shannon
Customer since 2016
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