Trade × state guide
Insurance for cleaning businesses in Ohio.
In Ohio, cleaning businesses usually need general liability and surety bond. On workers' compensation, Ohio's rule is: Required for all employers with one or more employees (monopolistic state fund — must purchase from Ohio BWC, not private carriers).[S]Ohio workers' compensation threshold
Updated 2026-05-16 · Beaconcover editorial§ 01
State desk
Licensing notes for Ohio.
- Workers' comp must be obtained via the BWC state fund (not bundled with private carriers)
- Employer's liability is typically handled via a separate stop-gap endorsement
§ 02
Required cover
Coverage cleaning businesses typically need.
- ✓General liability
- ✓Surety bond
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