Cleveland, OH Contractor Insurance

Insurance for Cleveland Contractors – Licenses, Costs & Protection

If you’re operating a contracting business in Cleveland, Ohio, you need more than just tools and manpower—you need strong insurance coverage and city compliance. Arnold Insurance Agency is Cleveland’s trusted source for contractor insurance, bonds, and licensing support.

Cleveland Contractor Licensing Overview

• Contractors must register with the City of Cleveland’s Building and Housing Department.

• $150 registration fee and $25,000 surety bond required.

• Liability insurance minimums: $200,000 per person, with a certificate naming the City of Cleveland.

Average Insurance Costs for Cleveland Contractors*

• General Liability: ~$142/month

• Commercial Auto: ~$180/month

• Workers’ Comp: ~$45/month

Key Contractor Requirements in Cleveland

• Notarized applications and insurance proof required for all permits

• All subcontractors must be listed on permit applications

• Workers’ compensation mandatory for businesses with employees

Why Cleveland Contractors Trust Arnold Insurance Agency

• Local insights to help navigate city regulations

• Competitive policy bundles designed for Cleveland trades

• In-house bonding expertise

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 Cleveland 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.