Coverage for Tools, Jobsites & Everyday Liability Risks
Whether you’re a contractor, service provider, or small business owner, protecting your work means protecting your future. From jobsite accidents to stolen tools, the right coverage keeps your business moving forward.
Catanzaro Insurance helps contractors and small businesses across Ohio, Indiana, Illinois, Iowa, Wisconsin, Arizona, and Texas find reliable protection for their operations, equipment, and employees — with fast quotes and clear explanations.
Common Coverages for Contractors & Small Businesses
General Liability
Protects you if a client or third party alleges bodily injury or property damage from your work. This is the foundation of any contractor or business policy.
Tools & Equipment (Inland Marine)
Covers your portable tools, equipment, and materials — whether on the jobsite, in transit, or stored in a trailer or warehouse.
Business Property
Protects your shop, office, or storage building against fire, theft, vandalism, or storm damage.
Commercial Auto
Covers your work vehicles for both liability and physical damage. Optional hired and non-owned coverage protects borrowed or employee-owned vehicles used for business.
Workers’ Compensation (where applicable)
Helps protect your team with coverage for workplace injuries or illness (state-specific requirements vary).
Umbrella Liability
Adds an extra layer of protection above your general liability, auto, and employer’s liability limits.
Optional Enhancements
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Contractor’s Equipment Rental Coverage
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Installation Floater (for materials awaiting installation)
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Cyber Liability (for businesses handling client data or payments)
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Business Income Coverage (income loss during repairs after a covered event)
Who We Insure
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General contractors
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Electricians & plumbers
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HVAC & mechanical contractors
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Painters, roofers, landscapers
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Cleaning, janitorial & maintenance businesses
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Mobile service providers
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Small retail & office operations
If your business works on projects, owns tools, or interacts with clients — you need coverage built for your industry.
Why Businesses Choose Catanzaro Insurance
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Ohio-Based, Multi-State Reach: Serving Ohio, Indiana, Illinois, Iowa, Wisconsin, Arizona & Texas
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Industry Experience: We understand contractor risks, project requirements, and COI requests
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Fast Quotes: Streamlined process, quick turnaround, no surprises
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Proactive Service: Renewal reviews, certificates, and claim assistance
We make it simple to protect your business and stay compliant on every jobsite.
Real-World Scenarios
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A subcontractor damages client property — General Liability covers repair costs.
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A break-in leads to stolen saws and compressors — Tools & Equipment replaces them.
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A delivery driver backs into a gate — Commercial Auto handles the claim.
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A storm damages your office roof — Property Insurance repairs it.
Licensed & Serving Multiple States
While headquartered in Ohio, Catanzaro Insurance proudly supports contractors and small business owners in:
Ohio, Indiana, Illinois, Iowa, Wisconsin, Arizona, and Texas.
Each state has its own insurance regulations, contract requirements, and risks. We tailor coverage to match local conditions so you can focus on your business — not your policies.
Contractors & Small Business Insurance FAQs
Do I need insurance if I’m a solo contractor?
Yes. Even small one-person operations face liability exposures and tool theft risk. Affordable basic coverage protects your income and reputation.
What’s the difference between general liability and workers’ comp?
General liability covers injuries to others (like clients). Workers’ comp covers injuries to your employees.
Are my tools covered in my vehicle?
Only if you have inland marine (tools & equipment) coverage — auto policies don’t protect your gear.
Do landlords or general contractors require proof of insurance?
Usually yes — we can issue Certificates of Insurance quickly to help you meet contract requirements.
Get a Free Contractors & Small Business Insurance Quote
Protect your tools, jobsites, and business with a policy designed for you.
📞 Call 614-489-8383
📧 Email info@catanzaroinsurance.com
or complete the short form below for a fast, customized quote.
We’ll compare options and help you find the best value for contractors and small businesses in Ohio, Indiana, Illinois, Iowa, Wisconsin, Arizona, and Texas.