A Beginner’s Guide to Contractors Insurance 

Contractors face a unique set of financial challenges and risks every day, whether working independently or running a small business. At Etler-Kettenacker Agency, we understand the importance of insurance plans in your livelihood and reputation. That’s why we’re committed to helping contractors across Ohio navigate their insurance options and manage financial risk effectively.

Understanding Insurance for Contractors

Contractors insurance is designed to financially help your business from the unexpected. In Ohio, contractors may be required to carry certain types of coverage depending on their trade, the size of their business, and the contracts they take on. Common policies include:

• General liability insurance. Covers against claims of bodily injury or property damage caused by your work.
• Workers’ compensation. Required for most businesses with employees, this covers medical expenses and lost wages if a worker is injured on the job.
• Commercial auto insurance. Covers vehicles used for business purposes, from pickups to vans.
• Tools and equipment coverage. Helps replace or repair essential tools if they’re stolen or damaged.
• Professional liability insurance. Offers coverage if a client claims your work was faulty or caused financial loss.

Risk Management Tips for Contractors

Managing risk goes beyond having the right insurance. Here are a few practical steps contractors can take:

• Keep safety a top priority on every job site.
• Maintain up-to-date records of contracts, permits and safety training.
• Regularly inspect and maintain tools, vehicles and equipment.
• Review contracts carefully to understand your insurance obligations.

How Our Team Supports Contractors

At Etler-Kettenacker Agency, we work closely with contractors to assess their unique financial risks and recommend tailored insurance solutions. Whether you’re just starting out or looking to update your coverage, we’re here to help you insure what matters most.

Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.