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Construction Insurance Information

Columbus Ohio Contractors Insurance

There are two types of Contractors. General Contractors and Sub Contractors.  The insurance is going to be different for each type of contractor.  Typically a General contractor will hold a General Contractors license.

A general contractor can be responsible for supplying all of the Material, labor, equipment, tools and services necessary for the completion of a construction project.  To do this it is common for the general contractor to subcontract part of the work to other companies or individuals that specialize in these types of work. These are called Sub Contractors. In insurance Sub Contractors are also know Artisan 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 Wall Paper hangers, interior decorators, piano tuners and exterminators power washers, handy men services.

Contractors have special insurance needs including coverage for equipment and tools that are often moved around and from different construction site locations.

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. However we do offer mono-line General liability Insurance for contractors as well.

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
Contractors Commercial Auto Insurance

As a Ohio Contractor, you need the same kinds of 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 OH business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

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
General and Other Liability
Automobile Liability

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