Columbus Ohio Contractors Insurance

Columbus Ohio Contractors

The category of artisan contractors, also known as casual contractors, includes many occupations that involve skilled work with tools at the customer’s premises. Carpenters, plumbers, electricians, roofers and tree surgeons are some of them. Also included are diverse other skilled service providers, such as interior decorators, piano tuners and exterminators.

Contracts have special insurance needs of this group include coverage for equipment and tools that are often moved around and for the value of work done for a customer until it is finished.

For many artisan contractors, the most cost effective and efficient way to obtain property and liability coverage is with a Business owners policy (BOP) especially tailored to the needs of a Columbus Ohio Contractor. Although marketed under a variety of names, these policies will typically have provisions similar to the BOP's.

Whether you own a Columbus Ohio landscaping, janitorial, plumbing, or electrical company, The Columbus Insurance Market has insurance solutions that can be tailored to provide full protection for your operation.

Here are some of the coverage options that are available to you to help you with your Columbus Ohio Contractor insurance needs:

Property and Inland Marine
Crime
General and Other Liability
Automobile Liability

Columbus Ohio Commercial Auto

As a Ohio Contractor, you need the same kinds of contractors insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a OHIO business auto insurance policy will depend on the kind of driving you do. A good OH insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a Columbus Ohio business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

OHIO General Liability

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

Ohio General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. The Hartford's liability programs extend far beyond the provisions of typical policies, with broadened coverage and increased limits in over 30 areas.

Broad Range of General Liability Protection

Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury

Property Damage coverage for the physical damage to property of others or the loss of use of that property

Products-Completed Operations provides liability protection (damages and legal expenses up to your policy™s limit) if an injury ever resulted from something your company made or service your company provided

Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents

Contractual Liability extends to any liability you may assume by entering into a variety of contracts

Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types

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