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You didn’t go into business for yourself to worry about insurance. You started up because you like to work with your hands, build things that mean something, and work for yourself. As a contractor you know how quickly accidents can happen and how expensive and devastating they can be. Make sure you, your business, and your employees are all protected with the right Ohio contractors insurance policy.

Who Needs an Ohio Contractors Insurance Policy?

If you call yourself a contractor and have an Ohio contractors license and are bonded, you need contractors insurance.

  • General contractors
  • Construction companies
  • Anyone who works as a subcontractor
  • HVAC providers
  • Electricians
  • Carpenters
  • Plumbers
  • Landscapers
  • Painters
  • Handymen
  • Floor Installation companies
  • And many other contractors



What Does an Ohio Contractors Insurance Policy Cover?

Because every company is slightly different, some coverages and policy limits will vary from contractor to contractor, but for the most part, you’ll need:

Liability coverage: This includes general liability, EPLI, and an umbrella policy to protect against claims of damage or injury by others.

Commercial property: Protect your tools, equipment, and materials between jobs and on-the-job.

Commercial auto: You need auto insurance whether you own company vehicles, or you use your personal vehicle for work. A personal policy won’t cover you on the job.

Equipment breakdown: Unlike property insurance that covers theft, this helps you out when your equipment stops working. You can get it fixed or replaced and keep working without missing a beat.

Builders risk: When your job site is under construction, anything that can go wrong, usually will. Protect yourself and your site from storms, fire, and other perils that an in-progress construction site face.

We understand that you want to focus your time and attention on getting more bids in and accepted and working more jobs. You don’t have time to worry about your Ohio Contractors Insurance policy. That’s where we come in. Let SFM Insurance do the worrying for you. Contact us today and let’s talk about what you need. We’ll come up with a plan that protects your business and lets you focus on what matters.

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Additional Coverage to Consider

Inland Marine

With an Inland Marine insurance policy, you don’t have to rebuild from scratch. Your commercial property is protected even when it is away from your premises, whether it is in transit or at a job site.


Directors & Officers

Over the years your company has grown by leaps and bounds, and today, you have a board of directors and officers helping you run your business with sights on growing beyond Ohio.


Cyber Liability

You might think breaches and hacks only happen to the biggest businesses, but they’re much more common in smaller companies. How does it protect you? A lot more than you realize.