out of 5 customer review rating and 200,000+ policies sold.

Get the Small Business Insurance Ohio Trusts

If you’re looking for business insurance Ohio companies can rely on, biBERK has a proven track record and the policies you need. We offer different coverage packages to protect you from the many types of risk your business faces.

Ohio General Liability Insurance

Also known as commercial liability insurance, a general liability policy covers damages and legal costs associated with injury claims to customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Ohio Business Owners Policy

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability. 

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Ohio Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees when someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

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Ohio Commercial Auto Insurance

If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use. 

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Ohio Cyber Insurance

This coverage can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive data like customer credit card information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

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Ohio Umbrella Insurance

Every liability insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

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We Cover all Kinds of Professionals and Businesses in Ohio, Including:

  • Actuaries
  • Apartment buildings
  • Appraisers
  • Attorneys and law firms
  • Auditors and accountants
  • Auto service and repair centers
  • Barber shops and beauty parlors
  • Building electrician services
  • Business consultants
  • Carpenters
  • Certified financial analysts
  • Computer programmers
  • Concrete construction companies
  • Courier and messengers services
  • Drain cleaning and plumbing services
  • Electrical contractors
  • Electrical household appliance repair companies
  • Engineers and architects
  • Exterior painting companies
  • Fine dining restaurants
  • Floor covering stores and installers
  • HVAC companies
  • Insurance agents
  • Landscapers
  • Marketing and advertising agencies
  • Physicians and osteopaths
  • PR firms
  • Produce markets
  • Real estate companies
  • Residential cleaning services
  • Software development companies
  • Stores
  • Travel agencies
  • Trucking companies
  • Videographers and photographers

Why Choose biBERK for Your Business Insurance in Ohio?

We’re the experts when it comes to small business.

Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Workers' Compensation in Ohio

Ohio is one of four states that don’t allow insurance companies like biBERK to sell workers’ comp policies there. So, while we provide other types of small business insurance that can protect your company, if you’re looking for workers’ compensation in Ohio, you’ll have to get it from the appropriate state entity. 

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Why is biBERK Better for Small Business Insurance in Ohio?

When it comes to small business insurance in Ohio, we’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.

What do biBERK Customers Say?

Requirements for Small Business Insurance in Ohio

Workers' Compensation

In Ohio, every business with employees is required to carry workers’ compensation insurance, which must be purchased from the appropriate state agency. Private companies like biBERK are not allowed to sell workers' comp policies in Ohio.

Other Policy Considerations

Many contracts require a general liability policy and/or a professional liability policy. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make.

What Does Business Insurance in Ohio Cost?

The cost of business insurance in Ohio takes many factors into account, including your industry, the size of your business, your desired coverage, and any claims you’ve had in the past. Because of that, the cost of insurance can vary largely for different small businesses. Coverage for workers’ compensation in Ohio must be purchased from the appropriate state agency. 

Frequently Asked Questions About Small Business Insurance in Ohio

  • What types of small business insurance do I need in Ohio?


    Every Ohio business is different, so we’re best able to answer that question after getting some information about your company. However, general liability insurance is needed if you have customers on your premises, and errors and omissions insurance is important for individuals or businesses that provide a professional service or advice. If you have assets like equipment and furniture, or if you own buildings, a business owners policy or BOP (also called property & liability insurance) is important. And if you have employees, you’ll need a workers’ compensation policy from a state agency.

  • How long does it take to get small business insurance in Ohio?


    Getting a business insurance quote and then paying for one or more policies is fast and easy. It can take as little as five minutes, and your policy is issued immediately for the effective date.

  • Can I set up my policy to be paid automatically when premiums are due?


    Yes, our autopay feature is easy to activate and signing up gives you one less task to worry about.

Small Business Insurance in Ohio in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBERK for business insurance in Ohio and save up to 20%.