Ohio Business Insurance

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Ohio Small Business Insurance

Hiscox has good news if you have a small business in Ohio. We currently offer a range of small business insurance coverage, which includes professional liability insurance and general liability insurance.

General Liability Insurance for Ohio

General liability insurance, known as Commercial General Liability (CGL), protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Some examples of what could be covered are below:

  • Property damage: An educational consultant went to a student’s home to help the student on his college essay. While they were working, the consultant accidentally dropped the student’s brand new laptop computer, breaking it. The parents demanded that the consultant pay to replace the computer. General liability insurance protects education consultants against third-party claims of property damage, bodily injury, and associated medical costs.
  • Bodily injury: An engineer is giving a site tour to a client. Despite being instructed to wear a hard hat on the job site, the client does not, and incurs a head injury. The engineer is sued for the medical costs associated with the client’s injury. General liability insurance protects engineers against third-party claims of bodily injury, associated medical costs, and property damage.
  • Personal injury: A human resources consultant made disparaging remarks about an executive in a client company, and they were overheard by the assistant to the executive. She reported them to the executive, who sued the HR consultant for defamation. General liability insurance protects human resources consultants against third-party claims of bodily injury, associated medical costs, and property damage.

Learn about how much general liability insurance costs

Professional Liability Insurance for Ohio

Professional liability insurance, also known as errors and omissions insurance (E&O insurance), covers another person’s claims against businesses that provide professional and personal services. Some examples of what could be covered include:

  • Loss of personal information: By mistake, a bookkeeper misplaces a file with sensitive client information. It was an accident of course, but the information is compromised and the client sues for personally identifiable information. Professional liability insurance protects bookkeepers against personally identifiable information claims and will appoint an attorney to defend them if necessary.
  • Negligence: An interior designer was hired to redecorate the dining room of a high-level executive in anticipation of an important dinner party. The custom made dining table and chairs were not ready in time for the party due to a delay on the part of the craftsman. The client sued the designer for not completing the project in accordance with the schedule. Professional liability insurance protects interior designers against claims of negligence and will appoint an attorney to defend them, if needed, even if they haven’t made a mistake.

Learn more about professional liability insurance.

Business Owners Policy for Ohio

Business owners policy (BOP) is a combination of general liability and business property insurance. BOP is often used to provide balanced coverage for small businesses who also want to protect their own business equipment. Some examples of what could be covered are below:

  • A computer programmer spills his water on a high end computer system causing irreparable damage. A business owner's policy could cover the cost to replace the system, letting the programmer get back to work.
  • The office above a management consultant's office is flooded by a burst pipe and the water leaks into the office below, damaging several desks, chairs, and computers. The insurance agency's business owner's policy could cover the cost to replace the damaged furniture and equipment.

Learn more about business owners insurance.

Example professions we insure in Ohio:

    How Hiscox can help your business in OH:

    • Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help you manage your cash flow.
    • Tailored insurance: We specialize in businesses like yours and tailor coverage to the risks in your field.
    • Claims responsiveness: When a covered claim is reported, Hiscox will immediately assign a dedicated claims representative to assist you.
    • Coverage for contracts: Our insurance coverage satisfies most standard contract insurance requirements.
    • Worldwide coverage: An Ohio business insured through Hiscox is covered for work done anywhere in the world, as long as the claim is filed in the U.S., a U.S. Territory or Canada.
    • Passion for service: Agents knowledgeable about your business concerns will provide you with excellent service—4.7/5 people surveyed recommended us.


    Get a fast, free quote now and get that Hiscox confidence behind your Ohio business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.

    Hiscox Customer Reviews

    Hiscox rated 4.8/5
    Rated 4.8/5

    5 Stars

    Jerome, Columbus, Ohio

    Fast and easy and not complicated


    5 Stars

    Brittany, Ohio

    "Easy to purchase online I prefer to execute purchases on my own.  Hiscox made it easy to feel informed without the use of a rep. I found the exact policies that I wanted and was able to get a very fair"


    5 Stars

    Mary, Elyria, Ohio

    "What a stress saver!"

    Easy to navigate the online application process, quick response and simple payment plan. I would not only recommend their service, but will definitely purchase from them again.


    4 Stars

    Harold, Akron, OH

    "Positive, I am happy. Very easy to work with and professional"


    5 Stars

    Ayesha, Ohio

    "The best. The rep made everything so easy."

    See More Reviews

    Our products have been approved by the Ohio Department of Insurance, and are underwritten by Hiscox Insurance Company Inc., an Illinois insurance company whose license number is 4539.

    This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverage is subject to underwriting and may not be available in all states.

    Administered by Hiscox Inc., a Delaware corporation that is a licensed insurance producer in all states and Washington, D.C. 5 Concourse Parkway, 21st Floor, Atlanta, GA 30328.