General Liability Insurance Ohio

Save with discounts of up to 25%.*

What can be covered by General Liability insurance in Ohio?

Non-employee injuries

Non-employee injuries

Someone trips at your business and gets hurt.
Property damage

Property damage

You accidentally damage a client’s property.
Advertising harm

Advertising harm

You’re sued for an improper image in your advertising.
Legal defense costs

Legal defense costs

You need an attorney for a lawsuit.

Table of Contents

What is General Liability insurance coverage?

With nearly 1 million small businesses employing 2.2 million workers in Ohio, the state depends on these companies to keep the economy going. And most of these businesses rely on Ohio general liability insurance to stay safe.1

General liability can help provide a financial safety net after accidents that can affect any small business. Slip-and-fall injuries and property damage are common. General liability can help cover:

  • Costs if someone (other than an employee) says that your business caused them bodily injury.
  • Expenses if someone (other than one of your employees) says you damaged or destroyed their property.
  • The financial burden if you’re held responsible for advertising injury or reputational harm.

Does Ohio require General Liability insurance?

Ohio doesn’t mandate general liability insurance for small businesses, but coverage is recommended to help your business stay safe, win new business and thrive. Coverage can help your business with:

Licenses and permits

The state of Ohio requires plumbers, electricians, general contractors and others to carry general liability coverage.

Financial protection

General liability coverage can help pay expenses and keep your business running if things go wrong. If you’re accused of causing personal injury, damaging someone’s property or have to defend your business in a lawsuit, it can help minimize out-of-pocket costs.

Business development

Some clients may ask for proof of insurance before they’ll let you bid on their project or hire you for a job. Ohio liability coverage helps demonstrate your professionalism.

Leasing property

A general liability policy can help you rent an office, warehouse, retail storefront or commercial space. Many landlords will ask for a coverage before they’ll offer you a lease.

What small business might need General Liability insurance in Ohio?

From coffee shops in Youngstown to general contractors in Dayton, Ohio businesses everywhere could benefit from general liability insurance.

Contracting professions, including general contractors, electricians, HVAC, hydronics, plumbing and refrigeration workers, are required to carry general liability coverage to be licensed in the state of Ohio.2

Ohio home inspectors are also required to provide a certificate of insurance for their general liability policy to receive their license from the state.3

How much does General Liability insurance cost in Ohio?

The cost of general liability coverage in Ohio varies depending on your business operations. Insurance carriers consider a number of factors when pricing your policy, including:

  • Where your business is located
  • The kind of work you do
  • How many people you employ
  • The policy limits you select
  • You insurance claims history

More than half of NEXT customers pay $45 or less a month for their commercial general liability insurance.**

The easiest way to know how much you’ll pay is to get a free instant quote from NEXT. It takes less than ten minutes, and you’ll be able to purchase your policy online.

You can also use our liability insurance calculator for a general estimate of insurance costs in Ohio.

How NEXT helps Ohio small business owners

We offer a fast and easy way for you to get a free general liability insurance quote online, purchase coverage and instantly share a certificate of insurance. The entire process usually takes less than 10 minutes.

You can also chat with our Ohio–based NEXT licensed agents if you need help or have questions.

Get Instant Quote

Other business insurance policies important for Ohio small business owners

General liability is just one type of business coverage, but it can’t protect your business from everything. You may also want to consider:
Workers Compensation
Workers’ Compensation insurance

Ohio requires businesses with one or more employees to carry workers’ comp coverage.4 This type of insurance can help pay medical expenses, rehabilitation costs and lost wages if employees are hurt on the job.

Commercial Auto
Commercial Auto insurance

If your business owns vehicles or drives for business, you’ll need commercial auto insurance.5 Ohio requires all drivers to be insured, and personal auto policies won’t cover situations when you’re driving for work.

Commercial Property
Commercial Property insurance

Commercial property insurance can help pay for business property that’s damaged or destroyed after a covered event, such as water, fire or wind incidents. It can help protect your physical assets including inventory, equipment and buildings.

Errors & Omissions
Professional Liability (E&O) insurance

Commercial property insurance can help pay for business property that’s damaged or destroyed after a covered event, such as water, fire or wind incidents. It can help protect your physical assets including inventory, equipment and buildings.

Sources

See what our customers have to say about NEXT

Satisfied Customer

Best business insurance with the easiest process!

Stephen H.

2/14/2023

Small business insurance

I thought next was easy to use, great rates and outstanding follow-up.

Taylor M.

2/13/2023

Small start up

Thanks for helping a small startup. Was able to get the insurance I need for a cost I could afford.

Deborah H.

2/12/2023

Easy to use

Great! Set everything up and got the insurance needed for my business without hassle and it was very easy and quick to navigate.

Myles C.

2/18/2023

Great!

Hassle free and great to work with. Affordable.

Anthony G.

2/17/2023

Peace of mind

easy to apply and and customer service is very responsive

Darrell W.

2/19/2023

Easy & affordable

This company makes the process very easy & affordable. Thank you for this service!!

Ronald M.

2/21/2023

Easy to sign up and has what I need.

Only took about 10 minutes to have all my questions answered and get the plan I need for my business. Great price and easy to understand plan.

Annick L.

2/21/2023

The best service.

Thanks for your help with my needs, I'm very grateful for your assistance and help. I will recommend your company to others

JOEL C.

2/9/2023

Blown away

Truly a great team of people that worked really hard to get everything together for me and went out of there way to make it fast and easy

Raaf C.

2/6/2023

Let’s find the coverage you need for your business
Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.
General Liability insurance
General Liability
Protect yourself from accidents that cause physical injury or damaged property.
Professional Liability or Error and Omissions Insurance
Professional Liability/E&O
Shield yourself from lawsuits that claim your work errors caused financial losses.
Workers' Compensation Insurance
Workers’ Compensation
Cover medical bills and lost wages if your employees have an accident at work.
Commercial Auto Insurance
Commercial Auto
Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.
Tools & Equipment Insurance
Tools & Equipment
Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.
Commercial Property Insurance
Commercial Property
Keep your building, inventory and equipment protected from fire or water damage.
Business Owner’s Policy Insurance
Business Owner’s Policy
Combine general liability and commercial property into one policy to protect your business.
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
**The cost data presented here are based on NEXT active customers in the U.S. who purchased general liability insurance over the previous 12 months. These data should not be considered a substitute for obtaining a quote specific to your business. These data were updated in July 2022.
What we cover
Chat with Us

Mon – Fri | 8 a.m. – 5 p.m. CT

FacebookInstagramTiktokTwitterLinkedinYoutube
© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
Better Business Bureau
Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.