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Ohio Business Insurance

Choose The Allen Thomas Group for Your Ohio Business Insurance Needs

Ohio Business Insurance

The importance of business insurance for Ohio businesses in 2023 cannot be overstated.

With a wide range of risks and liabilities that come with operating a company, effective protection is essential to safeguarding the future of any enterprise. 

The Allen Thomas Group (ATG) offers an array of services designed to help businesses save more now on their required coverage while protecting assets from potential losses.

As part of this comprehensive suite of solutions, The Allen Thomas Group provides access to numerous policy options tailored specifically for the needs of Ohio-based companies.

From product liability protection to cyber security measures, each policy is crafted to provide maximum coverage at competitive rates. 

In addition, agents are available to answer questions and advise clients as needed throughout the process.

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Table of Contents
Getting The Right Coverage

Secure Your Business With Personalized Insurance Coverage

For business owners looking to maximize savings without sacrificing quality service or reliable protection, The Allen Thomas Group has established itself as one of the top choices for Ohio Business Insurance in 2023.

By utilizing our expertise and resources, customers can feel secure knowing they have taken all necessary steps towards securing the future success of their organization. With that said, let’s look into some of the most popular coverage options.

Our Insurance Coverage Options


This type of insurance covers third-party bodily injury or property damage claims, as well as advertising injury claims. It can also provide coverage for legal fees and settlements. Having this insurance can give businesses peace of mind and protect their financial stability.

Professional liability insurance protects professionals from potential legal claims made against them for errors or omissions in their work. It is essential for professionals who provide services to clients, such as doctors, lawyers, and accountants, as it can cover legal fees, settlements, and damages awarded in lawsuits.

(BOP) is a type of insurance policy designed specifically for small businesses. It typically includes coverage for property damage, liability, and business interruption. BOPs are often more affordable than purchasing separate policies for each type of coverage, making them a popular choice for small business owners

Directors and Officers Insurance protects company executives from legal action taken against them for decisions made while performing their duties. This type of insurance can cover legal fees, settlements, and judgments. It is important for companies to have this type of insurance to attract and retain talented executives, as well as to protect the company's assets.

Errors and omissions insurance protects professionals from potential lawsuits arising from mistakes or negligence in their work. This type of insurance is particularly important for those in fields such as law, accounting, and medicine, where errors can have serious consequences. Having this coverage can provide peace of mind and financial protection in the event of a lawsuit.

Cyber liability insurance is a type of insurance that protects businesses and individuals from internet-based risks. This can include data breaches, cyber attacks, and other online threats. Having cyber liability insurance can help cover the costs associated with these types of incidents, including legal fees, data recovery, and reputational damage. As technology continues to advance, the need for cyber liability insurance is becoming increasingly important.

Ohio Business Insurance Regulations

Getting Business Insurance Coverage In Ohio

Ohio business owners are required to carry certain types of insurance for their operations.

Employers must understand the various requirements and how they can use insurance to protect their businesses from financial loss due to employee injury, property damage, or third-party claims.

Workers’ compensation insurance provides coverage for medical expenses and lost wages if an employee becomes injured while on the job. It is also required in the state of Ohio for both full-time and part-time employees.

Even if all safety protocols have been followed, it is still possible for a work-related injury to occur.

Without workers’ compensation, businesses may be responsible for crippling costs that they will need to pay out of pocket.

Other insurance coverages, like commercial general liability, BOP, and professional liability, aren’t required by state law, but you should consider them to protect your livelihood from unexpected accidents.

Businesses must ensure they have the proper coverage in place to protect them from unforeseen circumstances that could cause financial hardship or ruin reputations.

Getting Business Insurance Coverage In Ohio

Business Insurance Solutions in Ohio Customized For You

Yep, It's Really That Easy

We know how frustrating and complex the process of finding the right commercial insurance can be .

Let us help fix it for you in 3 easy steps!

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

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Additional Information and Frequently Asked Questions

Get More Insights On Making The Right Insurance Decision For Your Business

Security breaches are becoming more and more common, leaving businesses at risk of costly legal action.

To protect your business from this type of liability, you need to consider the combination of business insurance policies that will provide the necessary coverage for your company’s specific needs.

An important policy to include in your company’s security breach protection is a cyber-liability or data breach insurance policy.

This type of policy covers expenses related to credit monitoring services for affected customers as well as any costs associated with an investigation and notification process following a breach.

It also covers the cost of restoring lost cash flow due to a disruption caused by a breach incident.

Additionally, many companies now offer coverage for theft or misuse of personal information collected through credit card processing systems.

In addition to cyber-liability insurance, it’s important to select other types of liability insurance, such as general liability and professional indemnity so you have comprehensive coverage in case of a lawsuit resulting from a security lapse or other negligence on your part.

Our qualified independent commercial agents can help you evaluate all these different options when selecting the right combination of business insurance policies that best meets your particular needs and budget constraints.

As a business owner, you have undoubtedly heard of the importance of malpractice liability insurance and other types of coverage for your Ohio business. But do you know what regulations impact your industry’s requirements?

Understanding workplace injury data in Ohio is critical to protecting your employees, customers, and yourself from legal action that could come with an uninsured incident.

In Ohio, businesses must carry workers’ compensation if they employ one or more people on any given day during 20 weeks out of the year; however, there are exceptions depending on the type of business. 

Businesses should also consider carrying commercial property coverage and liability policies such as general and professional liability. Additionally, obtaining Ohio business income insurance is recommended, which can help maintain operations after damage due to a covered loss.

Knowing all necessary coverage for your particular industry is essential when purchasing an Ohio business insurance policy. Doing so will ensure complete protection against potential risks while helping save money by avoiding unnecessary coverages that may not apply to you.

Saving money on business insurance policies in Ohio can be achieved by taking a few simple steps.

One way to save on business insurance costs is to look into different types of products offered by insurers that may fit your specific circumstances more effectively.

For example, if you have a high-risk exposure to liability, then investing in higher levels of professional liability coverage could provide extra protection while still keeping costs down.

Similarly, there are several other ways businesses can potentially reduce their liability insurance costs; if your business offers comprehensive safety training, harassment training, and/or cyber training, you may be entitled to credits on your insurance policy based on the detailed plans you implement.

Finally, it’s also critical to stay up-to-date with changes in the industry so that you can take advantage of any potential discounts available on certain products or services. Working closely with an experienced agent from ATG who understands local market conditions and has access to multiple carriers can be invaluable when seeking out affordable rates on business insurance policies in Ohio.

Business insurance is a crucial element of any organization’s risk management plan. It can protect companies from financial losses due to accidents, lawsuits, and more.

Also, certain types of insurance are required in Ohio.

But how do you know if your business needs it?

To determine whether or not you require business insurance, consider the following questions:

  1. What types of risks does my company face?
  2. How much coverage do I need for those risks?
  3. Does my existing insurance policy provide enough protection against these potential losses?

As an experienced professional insurance agent, I can help you understand the type and amount of coverage best suited to meet your unique needs.

With access to multiple carriers, we will work with you to find the right combination of policies that will provide comprehensive protection at competitive rates.

Together we’ll review each option carefully so you have complete confidence in choosing the best coverage for your business.

In addition to helping ensure compliance with relevant regulations, investing in quality business insurance provides peace of mind knowing that all possible contingencies are covered should something ever happen – both financially and legally.

No matter what stage your company is in, adequate liability coverage should always be among its top priorities.

Obtaining an Ohio business insurance policy can be a daunting task.

However, with the right amount of preparation and research, it doesn’t have to be complicated or time-consuming.

To answer the question: “How long does it take to get an Ohio business insurance policy?” the short answer is that this depends on several factors, such as the type of coverage you are looking for, how many employees you have, where your business is located, etc.

As an insurance agency, we can tell you from experience that if all necessary information is provided in advance and everything runs smoothly, getting an Ohio Business Insurance Policy could only take a few days up to two weeks, depending on the situation.

Of course, there may also be additional waiting periods due to state regulations or requirements associated with specific policies.

It’s important to remember that each situation is unique, so getting an accurate timeline will depend heavily on what kind of coverage you need and other details about your organization.

This being said, we recommend taking some extra time to do research and talk to our team. Asking questions during consultations and seeking expert advice are great ways to ensure that you make informed decisions when selecting the right provider. Doing this can help save time down the line while ensuring you receive adequate coverage at a price point that suits your budget.

When it comes to protecting your business, ATG offers a variety of coverage options from the highest-rated carrier tailored to meet the needs of your business.

Most Ohio Business Insurance policies include:

  • Liability Coverage – This protects businesses from claims by third parties for bodily injury and property damage during normal operations.
  • Property Damage Coverage protects against losses caused by fire, theft, vandalism, windstorm, hail, or other perils. It also covers lost income due to interruption in service.
  • Vehicle Coverage – If you have company vehicles used for business purposes, this will cover them in case of accident or theft.

As experienced insurance professionals, we understand the importance of ensuring our clients are adequately protected with the right policy at the best rate.

To ensure maximum protection and value for money, we work closely with each client to identify their specific needs and provide custom-tailored solutions that meet those requirements while staying within budget constraints.

It is not about providing you with quotes but about pinpointing the suitable carrier to work with for your business today and into the future!

In addition to standard coverage options, additional riders can be added depending on individual circumstances, such as cyber liability insurance, which covers data breaches, and errors & omissions insurance, which helps protect businesses from negligence-related lawsuits.

Choosing the right combination of coverage is essential for providing peace of mind knowing your business is well-protected against potential threats that could otherwise lead to significant financial loss.

Our happy customers

We’ve Helped Thousands Of Clients Just Like You


“Joe has done an awesome job helping us get the right insurance for our business, during construction and for when we are ready to operate. He made this an easy process and is great to work with!”


“The Allen Thomas Group has eliminated all my previous bad experiences with dealing with insurance companies. They are fair, responsive and it’s great to know there a real person there to talk to you when you need help. I would definitely recommend them to anyone looking for a top notch insurance broker.”


“I worked with Joe for my insurance needs. I found him to be pleasant, informative, and very responsive. He also did a great job answering all my questions.”

Our Carrier Partners


That allows us to find the best rates for your business needs

Get The Right Insurance Coverage You Need For Your Ohio Business

Business insurance is an essential part of operating a business in Ohio.

It protects from potential risks and losses that can immensely impact any organization’s profitability and longevity. Understanding the various types of coverage available, along with knowing if it’s required by law, will ensure businesses make informed decisions about their insurance needs.

Ultimately, consulting with The Allen Thomas Group an Ohio based independent insurance agency is critical when determining the best type of business insurance policy for any particular situation.

By having access to our industry knowledge and over 20 years of expertise, we can provide tailored advice while helping save money on premiums. With this information, business owners can rest assured they are making informed choices concerning their company’s future financial security. So don’t wait any longer, get a quote from our team today.

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Areas We Serve In Ohio