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Columbus Insurance
Insurance in Columbus, OH
Columbus is one of the fastest-growing metros in the Midwest, and Ohio does workers' comp differently than almost every other state. We compare insurers for families, small businesses and contractors across Central Ohio.
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Coverage in Columbus
What We Write in Columbus
Personal
Home, auto, flood, renters and condo, and umbrella for Ohio families, with limits set above the state minimums.
Learn More →Business & Commercial
Liability, property, commercial auto, umbrella and stop gap coverage for every kind of Ohio business.
Learn More →Life
Term, permanent and final expense coverage, plus key person and buy-sell for business owners.
Learn More →Specialty
Trucking, contractors and builders risk, with help fitting Ohio's state workers' comp fund into the rest of your coverage.
Learn More →Know Before You Buy
What Columbus Clients Should Know
Ohio's state-run workers' comp system is the biggest difference businesses notice.
General information only, not legal advice. Laws change, and your policy's terms decide what's covered. We'll confirm what applies to you before you buy.
- Comp comes from the state. Ohio is one of four states where employers buy workers' comp from the state fund, the Ohio Bureau of Workers' Compensation, instead of private insurers.
- Mind the stop-gap. Because the state fund does not include employer's liability, many Ohio businesses add stop-gap coverage to their general liability policy.
- Ohio auto minimums. Ohio requires at least 25/50/25 liability. Many drivers buy higher limits and uninsured motorist coverage to protect their assets.
- Licensed trades. Ohio licenses commercial electrical, HVAC, plumbing, hydronics and refrigeration contractors at the state level, and local permits often ask for proof of insurance.
- Storms and sewer backup. Wind, hail and basement water backup drive many Central Ohio home claims. Backup coverage is usually an endorsement.
Where We Work
Serving Central Ohio
We work with clients across Central Ohio by phone, text and email, including:
ColumbusDublinWestervilleHilliardGrove CityGahannaReynoldsburgUpper ArlingtonWorthingtonDelawarePickeringtonLancasterNewarkMarysville
State rules and coverage details: Ohio insurance
Questions
Columbus Insurance Questions
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Can I buy workers' comp from a private insurer in Ohio?
No. Ohio employers get workers' comp through the Ohio Bureau of Workers' Compensation. We help with the rest of your coverage, including stop-gap employer's liability.
What is stop-gap coverage?
It covers lawsuits from employees that fall outside the state comp system. Ohio's state fund does not include it, so many businesses add it.
Do you insure new construction homes in Columbus?
Yes, and builders risk coverage for the project while it is being built.
Licensing
Licensed Agents in Ohio
Have a question about our licensing? Call or text 239-799-5411.
- J&D agents hold Ohio producer licenses
- J&D Insurance Associates is a Florida licensed agency, license L123435
Let's Get You Covered.
Tell us what you need and we'll compare insurance companies licensed in Ohio.