
Columbus Ohio’s Best Contractor Insurance Provider
Columbus, OH Contractor Insurance
Contractor Insurance in Columbus, Ohio
As a contractor in Columbus, staying compliant with local regulations while keeping your business protected is essential. At Arnold Insurance Agency, we specialize in affordable, customizable insurance packages for Columbus-area contractors—from general liability to builder’s risk and beyond.
What You Need to Know About Columbus Contractor Licensing
Columbus requires a General Contractor License issued by the Department of Building and Zoning Services.
Licensing includes a $350 application fee and proof of a $25,000 surety bond.
General liability insurance is mandatory, with a minimum coverage of $300,000 per person and $500,000 per occurrence.
Specialty contractors may need additional licensing or bond requirements depending on their trade.
Average Contractor Insurance Costs in Columbus*
General Liability Insurance: ~$142/month
Business Owner’s Policy (BOP): ~$162/month
Workers’ Compensation: ~$145/month
Contractor packages average ~$142/month for general contractors in Ohio
Columbus-Specific Contractor Regulations
Proof of insurance and bonding must be submitted for license approval.
Annual renewals are required for continued operation.
Contractors must carry active workers’ comp if hiring employees.
Why Columbus Contractors Choose Arnold Insurance Agency
40+ years of commercial insurance expertise
Fast quote turnaround and flexible policy options
Personalized guidance for Columbus licensing and bond requirements
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 Columbus 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.