Ohio contractors insurance

Licensing & registration in Ohio

Contractor licensing in Ohio is handled at the state and/or local level and can vary by trade and project size — commercial trades such as electrical, plumbing, HVAC, and refrigeration are commonly licensed at the state level, while general-contractor and residential requirements are often set by cities and counties. Verify the current requirement with your state licensing board and the local jurisdiction where you work before bidding.

Many licensing bodies require a license or registration bond, which guarantees something to the public and is distinct from liability insurance. Requirements vary by jurisdiction and trade, so confirm what applies before you start.

Coverages Ohio contractors carry

• •General liability — generally intended to respond to third-party injury and property damage from your work, including completed-operations claims that surface after a job.
• •Workers’ compensation — required in most states once you have employees, and commonly required of subs by the GCs who hire them.
• •License / registration bond — a guarantee to the public required by many licensing bodies; distinct from your liability insurance.
• •Tools & equipment (inland marine) — optional coverage generally intended to address loss or damage to your own gear.
• •Commercial auto — for work trucks and vans; personal auto typically excludes business use.

Who needs it in Ohio

Common Ohio users include home builders and remodelers, roofers, electricians, plumbers, HVAC, and landscapers across Columbus, Cleveland, Cincinnati, and Toledo.