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State files updated Oct 27, 2026
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Ohio contractor license bondInsurance and workers' comp

No bond requirement in ORC 4740 or OAC 4101:16-2-09.1 Contractor's liability insurance including complete operations coverage of at least $500,000, in the licensee's (or assigned business entity's) name.2

Bond and insurance by trade in Ohio

TradeBondInsuranceWorkers' comp
All tradesNo bond requirement in ORC 4740 or OAC 4101:16-2-09.1Contractor's liability insurance including complete operations coverage of at least $500,000, in the licensee's…2Any Ohio employer with one or more employees must carry workers' compensation, normally by paying premiums into the…3

How much is the contractor bond in Ohio?

No bond requirement in ORC 4740 or OAC 4101:16-2-09; financial responsibility is by liability insurance.1

What general liability insurance does Ohio require?

Contractor's liability insurance including complete operations coverage of at least $500,000, in the licensee's (or assigned business entity's) name; a lapse is grounds for discipline.2

Can an Ohio contractor be exempt from workers' comp?

Any Ohio employer with one or more employees must carry workers' compensation, normally by paying premiums into the state insurance fund run by the Ohio Bureau of Workers' Compensation, or by qualifying as a self-insuring employer. The state contractor license rules do not add a separate requirement.3

What is a certificate of insurance?

It's the one-page summary (usually an ACORD 25 form) a contractor's agent issues to show the policies, limits and dates in force. How to read and check one

Sources

  1. Ohio Construction Industry Licensing Board (OCILB): bond (codes.ohio.gov, 2026-10-27)
  2. Ohio Construction Industry Licensing Board (OCILB): insurance (codes.ohio.gov, 2026-10-27)
  3. Ohio Construction Industry Licensing Board (OCILB): workers' comp (codes.ohio.gov, 2026-10-27)