Commercial auto insurance in Ohio
Ohio businesses operating vehicles for work — contractor trucks, vans, delivery vehicles, or a fleet — generally need commercial auto coverage. A personal auto policy typically excludes business use, so a commercial auto policy is generally what is intended to respond when a work vehicle is involved in an accident.
Ohio requirements to know
State financial-responsibility minimum
Ohio requires minimum liability of 25/50/25 — $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. This is a floor; heavier vehicles, for-hire operations, and many contracts require more.
Heavier and for-hire vehicles
Trucks above certain weights and for-hire vehicles commonly need higher limits set by the state or by the entity hiring you, and a $1,000,000 combined single limit is a frequent contract requirement.
Interstate carriers (FMCSA)
If you cross state lines for hire, federal motor-carrier minimums apply — often $750,000 for general freight, and higher for certain cargo or passenger operations.
Who needs it in Ohio
Manufacturing, logistics and freight, construction, and agriculture across Columbus, Cleveland, and Cincinnati are common Ohio commercial-auto users.
Tell us your fleet, drivers, and how the vehicles are used, and we’ll route you to a carrier that fits. Limits and eligibility may vary by vehicle, use, and records — confirm your exact requirement before relying on a minimum.
New to the coverage parts (liability, physical damage, hired & non-owned auto, motor-truck cargo)? See the full breakdown on our commercial auto insurance guide. Ohio minimums are a floor — required limits and pricing are set by the carrier and vary by vehicle, use, and driving records.
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