Business & Commercial Insurance
Business & Commercial Insurance Quote Forms
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Business & Commercial Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Business & Commercial Insurance Information
Business Insurance in Canton, OH and Surrounding Areas
Insurance for Ohio Businesses
Ohio is a great state to start a business. With a large population of people from all walks of life, Ohio offers opportunities for businesses in childcare, gas, food, entertainment and more. If you’re looking to start a business or perhaps have already started a business, it’s crucial to protect it from all dangers that threaten your company.
Parson Insurance Agency connects you to an affordable policy through our connection with a range of top insurance agencies. We will find the coverage you need at a price that won’t drain your wallet.
Is Business Insurance Required in Ohio?
Ohio has a few state laws regulating insurance for certain businesses. Requirements include:
Workers compensation insurance steps in if an employee is injured on the job. It can cover medical expenses, disability benefits and, in extreme cases, death benefits. Ohio requires every business with one or more employees to carry this insurance. It also helps prevent lawsuits related to employee injuries.
Commercial Auto Insurance
Commercial auto insurance covers vehicles used or owned by a business. Ohio requires all commercial vehicles to be insured with:
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
This isn’t the only coverage your commercial vehicles may need, however. Liability insurance doesn’t help if your business’ vehicles are damaged due to other drivers or outside forces such as weather or vandalism. Parson Insurance Agency recommends that you also carry:
Comprehensive Coverage: Comprehensive coverage helps if the work vehicles are damaged or lost due to fire, wind, hail, theft, vandalism and more. It covers nearly every danger your company’s vehicles may face besides collisions and normal wear and tear.
Collision Coverage: Collision coverage provides compensation if the work vehicle is damaged due to a collision, either with another vehicle or an object.
Medical Payments Coverage: Also known as personal injury protection or PIP, this coverage helps with medical bills for the driver and their passengers after an accident, no matter who is at fault.
General Liability Insurance
For most businesses, general liability isn’t a legal requirement by the state, but some lenders may require it. Either way, general liability is a necessity for any business. This coverage steps in if bodily injury or property damage to a third party occurs on the business property.
Cover Your Business
The agents at Parson Insurance Agency are dedicated to finding a policy that protects your business from any danger it may face. Give us a call at (330) 956-4200 or fill out a form for a free quote today.