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Business insurance · Central Ohio

Business insurance sized to what your business actually does

General liability, property, commercial auto and workers' compensation — bundled where it saves money, separated where it needs to be.

Small businesses usually overpay for the wrong coverage and carry none of the right kind. The fix is unglamorous: describe the operation honestly, price the real exposures, and skip anything that does not apply.

What we look at

1

Business owners policy

Liability and property in one package for shops, offices, salons and contractors — the usual starting point.

2

General liability

Third-party injury and property damage: a customer slips, a delivery damages a client's building.

3

Commercial auto

Vehicles owned or used for work, including hired and non-owned when employees drive their own cars on business.

4

Workers' compensation

Ohio requires coverage once you have one or more employees, obtained through the state fund or a qualified plan.

5

Professional liability

Errors, missed deadlines and advice — a different risk than a slip and fall.

6

Commercial property

Buildings, inventory, tools and equipment, with business income coverage for the weeks you cannot operate.

What actually moves your price

  • What the business actually does, and where
  • Number of employees, and whether any drive for work
  • Contract requirements from clients and landlords
  • Property values: buildings, inventory, tools, specialty equipment
  • Whether commercial vehicles are titled to the business

What happens when you ask

Four questions, about two minutes. We price the carriers this office can quote, put the numbers side by side, and tell you plainly if your current policy is already the better deal.

No obligation, no pressure to switch, and no impact on your rate for asking.

Start my free review

Common questions

Do I need workers' comp in Ohio?

Yes, effectively as soon as you have one employee in most situations. It is administered through the Ohio Bureau of Workers' Compensation or a qualified alternative.

Is a BOP enough?

For many small operations, yes. It is not enough for professional advice, commercial vehicles, or a business with unusual exposures — those get added.

Can you cover my personal vehicles if they are used for work?

Usually a personal policy is not enough once the vehicle is used for business. That is what hired and non-owned coverage is for.

Straight talk: discounts, rates and eligibility vary by carrier, product and person, and are subject to underwriting. We will never quote you a savings figure we cannot show you in writing.

See the numbers side by side

Four questions, two minutes, one licensed OH agent. Then you decide with the actual figures in front of you.

Get my quote