About Commercial Insurance in Ohio
In Ohio, even if you are operating as an independent contractor, the state requires the owner of the business to have commercial insurance coverage.
When a Commercial Insurance Policy is Required
General handyman services that are considered non-structural or non-trade tasks, and do not require a state license. These services include basic carpentry, drywall repair, gutter cleaning, furniture assembly, the installation of curtain rods and window blinds, minor home repairs, pressure washing, hanging interior doors, mirrors, and pictures, and exterior and interior painting.
If your handyman business includes special services that are regulated by the Ohio Construction Industry Licensing Board, such as plumbing, HVAC repair or installation, or electrical, a specialty trade license issued by the state is required.
Also, different counties in Ohio may have specific requirements, such as permits, surety bonds, and registration.
Benefits of Having Commercial Insurance for a Handyman Business
It’s your business and livelihood, and you want to have your investment protected from out-of-pocket expenses at all times. With a policy in effect, you can rest easily when providing services.
A commercial policy provides coverage for bodily injury, accidents, property damage, and lawsuits that are job-related.
The policy also provides property coverage for equipment and tools. While in transit to a job or your work vehicle is on site, the policy covers fire, damage, and theft.
With commercial auto insurance, coverage is in place if an accident occurs while the vehicle is being used for work-related purposes.
Contact Our Team
Whether you need more information or have specific questions about commercial insurance coverage, our experienced team at Capretta Insurance Agency are ready to assist you. Give us a call so we can help you with the coverage needed to operate your handyman business in Parma, OH with confidence.
