Small Business Insurance in Ohio

In case of accidents resulting to bodily or physical injury, as well as property damage due to negligence, this insurance provides protection for claims in which your business is held accountable for. General Liability is the first policy every small business should consider as it equally covers libel, slander, and false or misleading advertisements.

Damages incurred from natural disasters and man-made calamities can cause a huge financial collapse on small or mid-sized businesses, making it hard to resume normal operations. This is where Property Insurance comes extremely helpful, protecting your business-owned physical assets such as the building and its content from loss due to flood, fire, earthquake or even theft.

All businesses operating within Ohio with one or more employees are required to have Workers' Compensation insurance. It provides employees with coverage from medical expenses, rehabilitation bills and lost wages as a result of work-related injury or illness. In exchange, Workers' Compensation protects business owners from legal claims on account of negligence.

Should an accident happen on the road while doing business-related trips, this policy offers coverage from liabilities, collision, medical payments, repairs and other damages caused by your commercial vehicle. Whether you own or lease the automobile, the state of Ohio requires businesses to carry Commercial Auto insurance.

Offering small businesses the needed financial aid after a major flood, fire, earthquake or other man-made disasters, Business Interruption covers estimated profit loss during period of interruption. It pays for expenses that continue to bill such as electricity charges, building lease, employee payroll, taxes, leased equipment and other utilities until you're able to resume operations.

Specially tailored for businesses dealing with personal or financial information, this insurance protects you from financial loss due to fraudulent or dishonest acts committed by your employees. Should a customer make claims against the deceitful activities of your workers, Fidelity Bond steps into place and provides coverage saving you from costly financial liabilities.