Toledo, OH Contractor Insurance

Get Insured in Toledo—Stay Compliant, Stay Protected

Toledo contractors face unique risks and state-level licensing requirements. Arnold Insurance Agency helps navigate every step—from insurance setup to surety bonding and policy maintenance.

Licensing Requirements in Toledo

• Contractors follow Ohio state licensing via the OCILB (plumbing, HVAC, and electric)

• Liability insurance minimum: $500,000

• General contractors may not require local licenses, but must follow permitting rules

Average Insurance Costs in Toledo*

• General Liability: ~$142/month

• Commercial Auto: ~$180/month

• Builder’s Risk: ~$134/month

• Workers’ Comp: ~$45/month (state average)

Toledo Contractor Guidelines

• Permits needed for most residential/commercial jobs

• State trades must pass exams and meet CE requirements

• Proof of coverage is required for many bid submissions

Why Toledo Contractors Call Arnold First

• Decades of experience with Ohio contractor insurance

• Easy-to-understand policies that meet legal mandates

• Strong carrier network = better pricing & support

Request a Toledo Contractor Quote. Don’t risk fines or job delays—get your free quote now from Arnold Insurance Agency and ensure you’re covered.

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 Toledo 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.