Dayton, OH Contractor Insurance

Insurance Support for Dayton’s Growing Contractor Community

Whether you’re a small independent builder or managing large crews in Dayton, Arnold Insurance Agency provides insurance solutions that match your needs, budget, and compliance requirements.

Dayton Licensing Info

• General contractors don’t need a city-specific license

• State trade licensing (OCILB) is required for electricians, HVAC, and plumbers

• Liability insurance minimum: $500,000 for licensed trades

Dayton Contractor Insurance Averages*

• General Liability: ~$142/month

• Professional Liability: ~$68/month

• Workers’ Comp: ~$45/month

Important Dayton Regulations

• Local job permits are mandatory for commercial work

• Workers’ comp is required if you employ anyone

• Permits must be accompanied by valid licensing and proof of insurance

Why Dayton Contractors Choose Us

• Streamlined policy setup for quick permit compliance

• Local service from experienced advisors

• Package deals are available to save time and money

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 Dayton 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.