Contractor Insurance
in Ohio
Affordable, Compliant Contractor Insurance in Ohio—Made Easy
From Cincinnati to Cleveland, Ohio contractors face strict licensing requirements, evolving jobsite risks, and growing client demands.
Whether you’re a general contractor or a specialty trade professional, ACI helps you get the insurance you need—fast, affordable, and built for your business. We offer policies that meet both state and city-level regulations, with flexible plans that work for new startups and established firms alike.
Why Contractors in Ohio Choose ACI
State-Specific Knowledge
We understand Ohio’s contractor license and insurance requirements.
Fast, Digital Certificates
Get proof of coverage delivered the same day.
Custom Quotes, No Hidden Fees
Only pay for what your trade actually needs.
Bundle & Save
Combine policies and save up to 25% on total premiums.
Insurance Coverage We Offer in Ohio
Our full range of contractor insurance policies protects your business, crew, and equipment on and off the job.
- General Liability Insurance
Essential coverage that protects against property damage or injuries caused by your work. Often required for licensing and project bids.
- Workers’ Compensation Insurance
Mandatory for Ohio employers with one or more employees. Covers workplace injuries and related medical expenses.
- Commercial Auto Insurance
Covers work trucks, vans, and trailers used to transport tools or travel between job sites.
- Tools & Equipment Insurance
Protects your gear from theft, loss, or damage—whether stored onsite, in transit, or in your vehicle.
- Builder’s Risk Insurance
Short-term property coverage for projects under construction, including materials and partially completed work.
- Professional Liability Insurance
Coverage for design errors, professional mistakes, or project delays that could lead to financial losses.
Who We Cover in Ohio
ACI serves contractors throughout Ohio with policies tailored to their trade and risk profile. Whether you work solo or run a growing crew, we’ve got you covered.
Our clients include:
- General Contractors
- Electricians
- Plumbers
- HVAC Professionals
- Drywall Installers
Wherever you work in Ohio, we’ll help you stay protected and compliant.
How Much Does Contractor Insurance Cost in Ohio?
There’s no flat rate when it comes to contractor insurance in Ohio—your premium depends on how you run your business. ACI builds your custom quote based on a few key risk factors.
Cost Factors
- Type of Work
High-risk trades (e.g., roofing, concrete) cost more to insure than low-risk trades (e.g., painting, cabinetry).
- Business Size
Larger crews and higher payrolls usually come with higher premiums.
- Coverage Limits
Higher policy limits mean greater protection, but also increase your cost.
- Claims History
Fewer past claims = lower risk = better pricing.
- Location
Urban contractors may face higher rates due to jobsite density and higher claim risks.
Want to see your exact rate? Get your free, custom quote now.
Ohio Contractor Insurance Requirements
General Liability Insurance
Many Ohio cities require proof of liability coverage to issue or renew contractor licenses.
Workers’ Compensation Insurance
If you have one or more employees, Ohio law requires you to carry workers’ comp coverage.
Commercial Auto Insurance
Vehicles used for business must be covered under a commercial auto policy—not personal insurance.
Requirements vary by trade and municipality. Contact ACI for tailored compliance support.
Get a Free Contractor Insurance Quote
in Ohio
Don’t let insurance delays slow you down. Get the coverage you need in Ohio to win bids, meet legal requirements, and protect your business today.