If you're a contractor or tradesperson in Ohio — general contractor, electrician, plumber, roofer, HVAC technician, painter, or landscaper — having the right insurance in place is essential. Most general contractors, property managers, and commercial leases require proof of general liability insurance before work begins, though specific requirements vary. Always verify what's required for your specific projects and clients.
Lambert Insurance Group has been working with Ohio contractors and trades since 1953. With offices in Westlake and Mayfield, we serve contractors across Northeast Ohio and statewide.
What Types of Coverage Do Ohio Contractors Typically Need?
- General Liability — covers third-party bodily injury and property damage claims arising from your work
- Commercial Auto — covers vehicles used for business purposes, including getting to and from job sites
- Tools & Equipment — covers the tools and equipment your business depends on
- Commercial Umbrella — provides an additional layer of liability protection above your underlying policies
Roofers, excavators, and certain specialty trades may have additional coverage considerations. Speak with a licensed agent about your specific trade and the work you perform.
What Affects Contractor Insurance Premiums in Ohio?
Your trade type, annual revenue, number of employees, subcontractor use, claims history, and the specific coverages and limits you choose all factor into pricing. Premiums vary — there is no standard rate for contractor insurance.
Who We Serve
We work with contractors and trades across Westlake, Mayfield, North Olmsted, Strongsville, Medina, Lorain County, and all of Northeast Ohio. Call or text us to discuss your coverage needs.
Ready to Explore Your Options?
As an independent agency, we shop multiple carriers on your behalf. Call or text us and we'll get back to you promptly.