Trade × state guide
Insurance for janitorial services in Ohio.
In Ohio, janitorial services usually need general liability, workers' compensation 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 janitorial services typically need.
- ✓General liability
- ✓Workers' compensation
- ✓Surety bond
← All Janitorial Service insurance Business insurance in Ohio →