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Ohio Insurance
Your Partner in Protection Across Ohio
A state-run workers comp system, severe spring storms and hard winter freezes make the right coverage matter here. We compare insurance companies for Ohio families and businesses, from personal and life insurance to specialty coverage like trucking, contractors and builders risk.
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Coverage in Ohio
What We Write in Ohio
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 →Ohio Notes
What's Different About Insuring in Ohio
Each state page covers the rules and risks that matter there.
- Workers comp in Ohio comes from the state fund, the Ohio Bureau of Workers' Compensation, not from private insurance companies
- The state fund doesn't include employers liability, so many businesses add stop gap coverage to their general liability policy
- Severe storms, hail and wind are common causes of home and business claims
- Frozen and burst pipes are a leading winter claim, so check your water damage coverage
- Flood is a separate policy from homeowners, even far from Lake Erie or the Ohio River
Licensing
Licensed Agents in Ohio
Verify any license with the Ohio Department of Insurance.
- 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 shop it for you.