Ohio Business Insurance

Ohio's central location makes it one of America's top states for trucking, logistics, and manufacturing. With major freight corridors on I-70, I-71, and I-75, plus a strong construction and skilled trades economy, Garzor Insurance provides Ohio businesses with competitive commercial insurance from carriers that understand the Buckeye State market.

Why Ohio is different

• Ohio is a monopolistic workers' comp state — BWC is the sole provider
• Specialized trucking coverage for Ohio's massive I-70/I-71/I-75 freight network
• Commercial auto programs for Cleveland, Columbus, and Cincinnati metro fleets
• GL and BOP coverage for Ohio's strong skilled trades and manufacturing sectors
• Understanding of Ohio BWC group rating and discount programs
• Competitive rates for Ohio contractors, haulers, and service businesses

Why Garzor Insurance

• Expertise navigating Ohio's unique BWC workers' comp system
• Access to carriers with competitive Ohio commercial auto and GL rates
• Same-day COIs for Ohio contractors and motor carriers
• Understanding of Ohio's regulatory environment for trucking and construction
• 4.9/5 Google rating — trusted nationally with strong Ohio presence

Regulatory notes

Ohio is a monopolistic workers' compensation state — all employers must obtain coverage through the Ohio Bureau of Workers' Compensation (BWC), not private carriers. Ohio commercial auto minimum is 25/50/25. Motor carriers must comply with PUCO regulations for intrastate and FMCSA for interstate operations. Ohio follows a modified comparative fault system (51% bar).

Carriers we place in Ohio

• Progressive
• Nationwide
• Travelers
• Employers (non-WC)
• Northland
• Canal
• Bristol West
• Cover Whale
• Safeco

Industries we serve

• Trucking & Transportation
• Contractors & Construction
• Manufacturing
• HVAC Companies
• Electricians
• Plumbers
• Auto Service & Repair
• Landscaping

Get a free quote or call (321) 206-8035.