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.
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.
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.
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.
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.
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.
State laws affect which business insurance coverage you need. These policies are required everywhere in Ohio, from Cincinnati to Cleveland.
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.
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:
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).
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.