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Contractors Insurance in Cincinnati, OH

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Coverage Built for Builders

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Customized Coverage for Ohio Contractors

From job site risks to expensive tools, running a trade business isn’t easy — and one accident can put it all on the line. At Moore Insurance, we specialize in contractor insurance for professionals across Cincinnati and Southern Ohio.



Whether you're a general contractor, electrician, roofer, HVAC tech, or handyman, we’ll craft coverage that protects your crew, your equipment, and your business itself. We understand the local laws, licensing requirements, and common risks contractors face — and we make insurance simple.

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Insurance for Every Type of Contractor

Trades We Insure

Every trade has its own set of challenges. That’s why we build tailored insurance packages for all kinds of contractors — from one-person operations to full-scale crews. No cookie-cutter policies, just protection that works for the way you work.

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Tools & Equipment Coverage

Covers stolen or damaged tools — whether they’re in your truck, on-site, or stored in a trailer or shop.

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General Liability Insurance

Protects against third-party injury, property damage, or legal claims that happen on or off the job site.

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Commercial Auto & Workers Comp

Insures your vehicles and keeps your crew protected from workplace injuries — and keeps your business compliant with Ohio law.

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Let’s Build Your Custom Contractor Policy

You're the expert in your trade. We're the experts in protecting it. Get coverage that meets industry requirements and your real-world needs.

  • What types of insurance do contractors need in Ohio?

    At minimum, most contractors need general liability and commercial auto. If you have employees, workers comp is also required. Tool and equipment coverage is highly recommended.

  • Do I need insurance as a self-employed contractor?

    Yes. Even independent contractors or sole proprietors are liable for damage or injury. A single claim could put your business — and personal finances — at risk.

  • Does general liability cover subcontractors?

    Not automatically. If you hire subs, you may need additional endorsements or policies to fully protect your business. We’ll make sure you're covered.

  • What does tool & equipment coverage include?

    It typically covers theft or damage to tools, power equipment, trailers, and gear — whether in use, in transit, or in storage.

  • How much does contractor insurance cost in Cincinnati?

    Premiums vary based on your trade, number of employees, vehicles, and past claims. We shop multiple carriers to get the best deal for your business.