Small Business Insurance in Columbus, Ohio

As the 14th-largest city in the United States, Columbus is one of the fastest growing areas for small business owners.¹ The Columbus economy is inclusive of many different industries, like education, technology, manufacturing, professional services, and health care.² So, whether you already have a small business or are just starting out, it’s essential to get business insurance in Columbus, Ohio. Business insurance covers risks that your business could face during its everyday operations.

 

We’re an insurance company backed by more than 200 years of experience. We’ve helped over 1 million small business owners get the right coverage they need. The best way to find out what coverage is right for your Columbus, OH business is to get a quote.

 

Depending on the type of business you have, you may have different insurance coverage needs than others. Your small business may face different risks than others depending on your industry. The Hartford offers a wide range of small business coverages to ensure that you are fully covered.

 

Workers’ compensation insurance gives your employees benefits to help them recover from a work-related injury or illness. In the state of Ohio, small businesses with employees are required to have workers’ compensation insurance.

 

Professional liability insurance can help cover legal costs if your business gets sued. This liability coverage can protect your business if a customer claims that you were negligent in the professional services you provided.

 

General liability insurance may help cover claims that your business caused bodily injury or property damage to others. It can also help cover claims of personal injury.

 

Commercial property insurance protects your owned or rented building, tools, equipment and inventory that you use to run your business operations.

 

Commercial auto insurance may help cover the costs of an auto accident if you or an employee is in a collision while driving a covered commercial vehicle for work.

 

Business income insurance can help replace lost income if you can’t operate your business because of covered property damage.

 

Our customers paid an average of $906 annually, or about $75 a month, for business insurance coverage in Ohio.³ Business insurance costs can vary in Columbus, OH because each business is unique and has different needs. Insurance companies use numerous different factors to determine costs, including:

 

The best way to find out your business insurance cost in Columbus is to get a quote. You can also use your local insurance agency to get a quote.

 

Small businesses in Columbus, Ohio are required to carry certain types of business insurance. If you have any employees, your business will need to have workers’ comp insurance as required by state law. If your business owns any commercial vehicles, you will need to have commercial auto insurance. While these are the minimum state-required coverages for Columbus businesses, it’s a good idea to get additional coverage to ensure you’re fully protected.

 

The Hartford provides commercial insurance coverage for a wide variety of small businesses in Columbus, Ohio. Some of the industries we offer small business insurance coverage include:

 

We make it easy to get a business insurance quote for your small business in Columbus, Ohio. With just a few clicks, you can get a quote for the coverage you need in a few minutes.

 

We’re an insurance company backed by more than 200 years of experience. Our small business specialists have the expertise and knowledge to understand the unique risks that small businesses face in Columbus, OH. Whether you have questions about business insurance or need help with a claim, we’ve got your back.

 

The Hartford offers Ohio business insurance coverage to other cities in The Buckeye State.

 

 

Last Updated: November 16, 2023

 

¹ City of Columbus, Ohio, “Economic Development – Rankings.”

 

² City of Columbus, Ohio, “Economic Development – Employment by Sector.”

 

³ Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.

 

Additional disclosures below.

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How to Calculate Business Income for Insurance

Business Insurance Definition & FAQs

Why Do I Need Business Insurance?