Arnold Insurance Agency - Ohio Contractor Insurance

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.