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Business Insurance in Ohio
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Recommended insurance policies for small businesses in Ohio
General liability insurance
This type of business liability insurance is important for all Ohio businesses. A general liability policy covers common third-party risks, and it's required by most commercial leases.
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Libel and other advertising injuries
Professional liability insurance
This policy, also called errors and omissions insurance (E&O), protects Ohio businesses that provide professional services or advice. It covers lawsuits related to work performance.
BEST FOR
- Work mistakes and oversights
- Professional negligence lawsuits
- Late or incomplete work
Cyber liability insurance
This policy covers financial losses from data breaches and cyberattacks. It's recommended for Ohio businesses that handle credit card numbers and other sensitive data.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Data recovery costs
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for an Ohio business.
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Damaged business property
Workers’ compensation insurance
Ohio requires every business with employees to purchase workers' comp insurance through the state fund. This policy also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Physical and occupational therapy
Commercial auto insurance
This policy is required for business-owned vehicles in Ohio. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
BEST FOR
- Accidents involving commercial vehicles
- Theft of a business vehicle
- Damage to a company vehicle
Looking for different coverage? See more policies.
Ohio business insurance requirements
State laws affect which business insurance coverage you need. These policies are required everywhere in Ohio, from Cincinnati to Cleveland.
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-related injuries and illnesses. It also provides disability benefits for injured Ohio workers.
Workers' comp policies purchased through the state fund don't include employer's liability insurance, which helps pay for lawsuits related to employee injuries. Ohio employers can buy this protection through a private insurer as stop gap coverage.
Commercial auto insurance
All business-owned vehicles in Ohio must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles.
Ohio's minimum requirements for auto liability insurance are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Trucking companies may need additional coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to commercial general liability insurance or a business owner's policy (BOP).
How much does small business insurance cost?
Commercial insurance can be affordable for Ohio small business owners. Factors that influence the cost include:
- Type of business and its risks
- Business income and location
- Number of employees
- Types of insurance purchased
- Policy limits and other coverage options
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Find the right policies and get your certificate of insurance
Insureon's licensed agents can help you find policies that fulfill Ohio's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.
In Ohio, insurance agencies, agents, 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.