General Liability | Equipment | Vehicles | Jobsite Protection
Contractors and small business owners face real-world risks every day — from jobsite accidents and property damage to stolen tools and vehicle claims. The right insurance helps protect your business, your income, and the work you’ve built.
At Catanzaro Insurance, we help contractors and small businesses across Ohio, Indiana, and Illinois secure coverage designed for hands-on, project-based work. We focus on clear explanations, fast quotes, and policies that actually match how you operate.
Common Coverages for Contractors & Small Businesses
General Liability Insurance
Protects against third-party injury or property damage related to your work. This is the foundation of most contractor insurance programs.
Tools & Equipment (Inland Marine)
Covers portable tools, machinery, and equipment against theft or damage — whether on the jobsite, in transit, or stored overnight.
Commercial Auto
Covers trucks, vans, and trailers used for business. Optional hired & non-owned auto protects employee-owned or borrowed vehicles used for work.
Workers’ Compensation (Where Required)
Provides coverage for work-related injuries or illness. Requirements vary by state and business structure.
Umbrella Liability
Adds an extra layer of protection above your primary policies — often recommended for contractors working on larger or higher-risk projects.
Optional Enhancements
-
Installation floater (materials awaiting installation)
-
Equipment rental coverage
-
Business income coverage
-
Cyber liability (for businesses handling payments or client data)
Contractor Industries We Serve
We work with a wide range of contractor and service-based businesses, including:
-
General contractors and trade professionals
-
Mobile service and maintenance providers
If your business operates on jobsites, uses equipment, or interacts directly with clients, you need insurance built for those risks.
Explore Coverage by Contractor Type
If your work involves specialized equipment or higher-risk operations, explore our dedicated pages for tailored coverage:
Each page focuses on the unique risks and coverage considerations for that type of work.
Why Contractors Choose Catanzaro Insurance
-
Contractor-Focused Expertise: We understand jobsite risk and insurance requirements
-
Fast Certificates: COIs for landlords, GCs, and municipalities
-
Straightforward Process: Clear quotes without unnecessary complexity
-
Regional Experience: Based in Ohio, serving Ohio, Indiana, and Illinois
We help contractors stay protected, compliant, and ready to take on new projects.
Real-World Scenarios
-
A subcontractor damages client property — General Liability responds
-
A trailer of tools is stolen overnight — Equipment Coverage replaces them
-
A work truck is involved in an accident — Commercial Auto handles the claim
-
An employee is injured on the job — Workers’ Comp covers medical costs
Contractor work comes with risk. The right insurance helps keep those risks manageable.
Contractors & Small Business Insurance FAQs
Do I need insurance if I’m a solo contractor?
Yes. Even one-person operations face liability and equipment theft risk.
Are my tools covered while in my vehicle?
Only if you have tools & equipment (inland marine) coverage — auto policies don’t cover tools.
Do clients or general contractors require proof of insurance?
Often yes. We issue Certificates of Insurance quickly to meet contract requirements.
Get a Contractors & Small Business Insurance Quote
Protect your tools, jobsites, and business with coverage designed for contractor operations.
📞 Call 614-489-8383
📧 Email info@catanzaroinsurance.com
or complete the short form below to request a customized quote.
We’ll review your operation and help you find coverage that fits your work — without overpaying or overcomplicating.