Cincinnati, OH Contractor Insurance

Protect Your Cincinnati Contracting Business

Arnold Insurance Agency offers tailored coverage for Cincinnati-area contractors. With city-specific requirements and competitive pricing, we simplify the insurance process while helping you meet local licensing needs.

Cincinnati Contractor Licensing & Bonding

• Contractors must register with the City of Cincinnati

• Registration fee: $131.25

• Proof of liability insurance: $100,000 per person / $300,000 per occurrence

• Workers’ comp insurance is required for employee-based businesses

Average Contractor Insurance Rates in Cincinnati*

• General Liability: ~$142/month

• Workers’ Comp: ~$45/month

• Commercial Auto & Builder’s Risk: Based on project scope and vehicle value

Local Contractor Regulations

• Property-owner exemptions apply for some permits

• Trades (plumbing, HVAC, electric) may require state licensing (OCILB)

Cincinnati Insurance Experts for Contractors

• In-depth knowledge of city rules and permit processes

• Custom coverage options that scale with your projects

• Surety bonds and umbrella policies are available

Penalties for unlicensed contracting in Ohio

The OCILB can hit contractors with a fee of up to $1,000 per day, per violation, for not carrying the appropriate license. And that’s just the licenses required by the state. Get the local expertise and competitive rates you need.

Contact Arnold Insurance Agency for a free, no-obligation quote tailored to your Cincinnati contracting business.

*Disclaimer: The figures below are average estimates, not official quotes. Your actual premiums may vary depending on your business type, claims history, location, number of employees, and other underwriting factors.