Beyond the Policy: A Battle-Tested Guide to Building Your Ohio Business Fortress with General Liability Insurance

Hi, I’m Alex.

A few years ago, I was exactly where you might be right now.

I had just launched my own consulting business from a spare room in my Columbus home.

The days were a blur of excitement, caffeine, and a never-ending to-do list.

I was building my Ohio dream, one client at a time.

And like many new entrepreneurs, I treated business insurance as just another box to check—something to deal with “later.” I figured my homeowner’s policy was enough for my little home office, and since the state didn’t seem to require much else, I pushed it to the bottom of the pile.

That illusion of safety shattered on a Tuesday afternoon.

Part 1: My Wake-Up Call: The Day My Ohio Dream Nearly Became a Nightmare

My core struggle wasn’t a lack of passion or skill; it was a profound ignorance of the real risks I was facing.

I was following the generic advice I found online, which was to get only what was legally required and to find the absolute cheapest option.

This is a common mindset for new business owners trying to conserve every dollar.

The wake-up call came in the form of a simple accident.

A client was visiting my home office for a strategy session.

As he stood up to leave, he snagged his foot on the power cord for my second monitor.

In slow motion, I watched his brand-new, top-of-the-line laptop tumble from his grasp and smash onto the hardwood floor.

The screen spiderwebbed into a thousand pieces.

Thankfully, he was incredibly gracious.

He insisted it was his fault and didn’t make a fuss.

But for me, a shockwave of pure panic set in.

That night, I couldn’t sleep.

I tore through my homeowner’s insurance policy, my heart sinking as I deciphered the dense legal language.

The verdict was clear: it wouldn’t have covered a cent of the damage because it was related to my business operations.

Had he decided to pursue a claim, I would have been on the hook for thousands of dollars.

That “near-miss” was my first brutal lesson.

I spent the next few days in a frantic deep dive, trying to understand the world of business insurance.

I was confronted with a confusing alphabet soup of policies: GL, BOP, E&O, WC.

It felt overwhelming and deliberately obscure.

The more I read, the more I realized how dangerously exposed I had been.

The state of Ohio doesn’t have a universal mandate for General Liability insurance for every single business.¹

Many entrepreneurs, myself included, interpret this lack of a requirement as a lack of necessity.

This is a trap.

The state mandates protection for your employees through Workers’ Compensation and for the public on the roads through Commercial Auto insurance.

By not mandating General Liability, the state effectively shifts the entire burden of protecting your business from on-premise accidents and operational mishaps directly onto you—the business owner, who is often least prepared to handle it.

The illusion that “not required” means “not needed” is one of the single greatest risks a new Ohio business owner can take.

That near-miss didn’t cost me money, but it cost me my confidence and forced me to confront a terrifying reality: my dream was built on a foundation of sand.

Part 2: The Fortress Analogy: The Epiphany That Changed Everything

The turning point came when I finally stopped trying to memorize the endless list of insurance products.

The jargon was paralyzing.³

My breakthrough happened when I threw out the checklist and started thinking differently.

I stopped seeing insurance as a product to buy and started seeing it as a structure to build.

I began to visualize my business as a fortress.

This wasn’t just a cute metaphor; it was a complete paradigm shift that brought clarity to the chaos.

It gave me a framework to understand not just what each policy was, but why it mattered and how it fit into a larger defensive strategy.

Here is the Business Fortress paradigm that changed everything for me:

• General Liability (GL) Insurance is the Foundation and Main Wall. This is the massive, load-bearing structure of your fortress. It’s the first and most important line of defense against the most common attacks from the outside world—claims of injury or property damage from people who aren’t your employees.
• Workers’ Compensation and Commercial Auto Insurance are the Mandatory Watchtowers. These are the defenses that the state of Ohio requires you to build. They guard two specific, high-risk entry points: the safety of your employees and the operation of your vehicles on public roads. You don’t have a choice; these towers must be manned.
• Specialized Policies are the Reinforced Towers, Moats, and Drawbridges. These are the custom defenses you add based on your specific vulnerabilities. If you’re a consultant giving advice, you build a tower for Professional Liability. If you handle sensitive data, you dig a moat of Cyber Liability insurance.
• The Insurance Policy Itself is the Blueprint. This is the detailed document you must read and understand. It tells you the exact thickness of your walls, the height of your towers, and, crucially, where the gaps and weak points are. Ignoring the blueprint means you don’t truly know how strong your fortress is.

This new way of thinking was empowering.

It reminded me of the classic “renting vs. owning” analogy.⁶

Operating without proper insurance is like renting; it might feel cheaper month-to-month, but you’re building no equity and have no real security.

One bad day, and you’re evicted.

Building your fortress, however, is like owning.

It requires a strategic investment, but you are creating a solid, defensible asset that protects your future and allows you to operate with confidence.

Part 3: The Foundation Wall: A Deep Dive into General Liability (GL) Insurance in Ohio

Every fortress needs a strong foundation and a formidable outer wall.

In the world of business protection, that is your General Liability (GL) insurance policy.

It is the bedrock that protects your business from claims made by “third parties”—a term that simply means anyone who is not your employee, such as customers, clients, vendors, or even just a delivery person passing through.⁴

It’s designed to cover the everyday risks of simply operating a business in the real world.

The Bricks of Your Wall: What GL Insurance Covers

A strong GL wall is built from three fundamental types of “bricks” or coverages.

Understanding them is the first step to appreciating its strength.

1. Bodily Injury

This is the most well-known coverage.

It protects you if a third party is physically injured on your business premises or as a result of your business operations.⁷

Think of a customer slipping on a wet floor, a vendor tripping over an extension cord, or a client being hit by falling merchandise.

The potential costs here are staggering, covering everything from immediate medical bills and ambulance rides to long-term physical therapy, lost wages, and massive legal settlements.

This isn’t a theoretical risk; it’s a harsh reality for Ohio businesses.

In a well-publicized case, a jury in Cuyahoga County awarded a plaintiff $1.3 million after she slipped and fell on an unmarked wet floor at a Mr. Hero sandwich shop in Brookpark, shattering her kneecap.⁸

While an appellate court later overturned that specific verdict on a legal technicality, the case is a stark reminder of two things: the immense financial scale of these claims and the fact that you will incur substantial legal defense costs whether you are ultimately found liable or not.⁹

Your GL policy is designed to handle these defense costs, regardless of fault.¹⁰

2. Property Damage

This coverage protects you if your business operations cause damage to someone else’s property.⁷

This is absolutely critical for any business that works on-site or handles client property.

Examples are everywhere: a landscaping company that accidentally shatters a client’s window, an IT consultant who shorts out a client’s server, or a painter who spills a can on an expensive antique rug.¹¹

Without this coverage, the cost to repair or replace that property comes directly out of your pocket.

3. Personal & Advertising Injury

This is one of the most misunderstood yet increasingly vital protections of a GL policy.

It covers non-physical damages that can harm a person’s or business’s reputation or rights.⁴

In our hyper-connected digital age, this is a minefield.

This coverage can protect you from lawsuits alleging:

• Libel or Slander: Saying or writing something false that damages someone’s reputation.
• Copyright Infringement: Using an image, music, or text in your advertising without permission.
• Wrongful Eviction or Invasion of Privacy.

Again, this happens right here in Ohio.

A shawarma restaurant in Toledo named “Monster Shawarma” was sued by the beverage giant Monster Energy for trademark infringement, claiming the restaurant’s logo was “confusingly similar” to its own.¹¹

This is a classic advertising injury claim, and the legal battle to defend against a corporate giant would be financially ruinous for a small business without the protection of a GL policy.

The Gaps in Your Wall: Critical GL Exclusions

Just as important as knowing what your fortress wall protects is knowing where the gates and gaps are.

Insurers use exclusions to clearly define the scope of a policy and to prevent it from overlapping with other, more specialized types of insurance.¹²

A standard GL policy will almost always exclude:

• Employee Injuries: If your employee gets hurt on the job, that is what Workers’ Compensation insurance is for. GL does not cover it.²
• Auto-Related Accidents: If you or an employee gets into an accident while driving for business, that falls under your Commercial Auto policy.¹⁰
• Professional Errors & Negligence: If a client sues you because they lost money due to your professional advice or a mistake in your service (e.g., an accountant’s error), that is covered by Professional Liability (E&O) insurance, not GL.⁴
• Damage to Your Own Property: If a fire damages your office or your equipment is stolen, that is the job of a Commercial Property policy.¹² GL only covers damage to
  other people’s property.
• Intentional Acts: If you intentionally damage property or harm someone, your insurance will not protect you from the consequences.¹⁰

Ohio’s Rules of Engagement: When is GL Really Required?

This brings us back to the question that started my journey: “Do I actually need this?” The answer for Ohio business owners is nuanced and critically important.

While there is no single state law mandating GL for every business, failing to have it can still lock you out of major opportunities and even violate local laws.¹

Here’s the breakdown:

• State Licensing Requirements: For many professions, you cannot get or maintain your state license without proof of GL insurance. This is non-negotiable. The Ohio Construction Industry Licensing Board, for example, requires general contractors to carry a policy with a minimum of $500,000 in liability coverage.¹³ This requirement also extends to other trades like plumbers, electricians, and HVAC specialists.¹ Home inspectors are another group that must provide a certificate of insurance to be licensed by the state.¹
• Local & Municipal Requirements: Many Ohio cities and counties have their own rules that go beyond the state’s. For instance, if you are a contractor wanting to work in Columbus, you must carry liability insurance with limits of at least $300,000 for damages to a single person and $500,000 for a single occurrence.¹⁴ Always check with your local city and county government.
• Contractual Requirements: This is the most common trigger. If you want to lease a commercial space, your landlord will almost certainly require you to have a GL policy and name them as an additional insured.¹ If you want to bid on a project for a client, especially a larger company, they will demand a certificate of insurance before they even consider your proposal.¹

This reality reveals a deeper truth about insurance.

It is not merely a defensive shield or a cost center.

It is a proactive tool for business development.

Having the right GL policy is what enables you to get that state license, lease that prime retail storefront, or win that lucrative corporate contract.

It unlocks opportunities that are simply unavailable to unprotected businesses.

You aren’t just buying protection; you are buying access to a higher tier of professional operation.

Scenario	Is it Typically Covered by GL?	Why or Why Not? (And What Policy Would Cover It)
A customer slips on a wet floor in your Cleveland boutique and breaks their arm.	Yes	This is a classic Bodily Injury claim from a third party. GL covers medical bills and legal costs.4
Your employee strains their back while lifting a box in your warehouse.	No	Injuries to employees are specifically excluded from GL. This is covered by Workers’ Compensation insurance.2
While installing a new network, you accidentally damage a client’s server rack in Dayton.	Yes	This is a Property Damage claim to a third party’s property. GL covers the cost of repair or replacement.1
A client sues your consulting firm for financial losses due to your strategic advice.	No	This is a claim of professional negligence. It’s excluded from GL and is covered by Professional Liability (E&O) insurance.3
Your company delivery van is involved in an accident on I-71.	No	Auto-related incidents are excluded from GL. This is covered by Commercial Auto insurance.10
A competitor sues you for using a similar logo in your new marketing campaign.	Yes	This falls under Personal & Advertising Injury coverage, specifically for copyright or trademark infringement.4
A fire destroys the computers and furniture in your office.	No	Damage to your own business property is excluded from GL. This is covered by Commercial Property insurance.12

Part 4: The Mandatory Watchtowers: Securing Your Flanks with Workers’ Comp and Commercial Auto

While the main wall of your fortress is crucial, the state of Ohio mandates that every business owner build and staff two specific watchtowers.

These are not optional.

Failure to secure these flanks can result in severe legal penalties, fines, and devastating financial exposure.

The North Tower: Ohio’s Unique Workers’ Compensation System

This tower guards against the risk of employee injury.

The law in Ohio is crystal clear: if you have one or more employees—whether full-time or part-time—you are required to carry Workers’ Compensation insurance.³

This policy covers medical expenses and provides wage replacement for employees who get injured or become ill as a direct result of their job.

Here is where Ohio business owners need to pay close attention.

Unlike most other states where you can shop for this coverage from private insurance companies, Ohio is a monopolistic state.⁵

This means you

must purchase your Workers’ Compensation policy directly from the state-run Ohio Bureau of Workers’ Compensation (BWC).

You cannot buy your primary WC policy from a private insurer like you would for General Liability.

This state-run system creates a critical coverage gap that many business owners Miss. The policy you buy from the BWC does not include Employer’s Liability Insurance.

This separate coverage protects you if an employee sues you for an injury that isn’t covered under the standard workers’ comp claim, such as a lawsuit from a spouse for loss of consortium.

To close this gap, you must purchase what is known as “stop gap coverage” from a private insurance company.¹⁸

This is an absolutely essential piece of local knowledge for any Ohio employer.

The West Tower: Commercial Auto Insurance

This tower guards your business whenever it’s on the move.

If your business owns any vehicles—be it a single car, a fleet of vans, or a heavy-duty truck—you are required by Ohio law to have a Commercial Auto insurance policy.³

The state sets minimum liability limits that you must carry.

For Ohio, those minimums are:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident ³

One of the most common and dangerous mistakes small business owners make is assuming their personal auto policy will cover them if they use their own car for work.

This is almost never the case.

Personal auto policies nearly always contain a specific exclusion for business use.¹

If you are driving to a client meeting, making deliveries, or transporting materials in your personal vehicle and you get into an accident, your insurer will likely deny the claim, leaving you personally responsible for all damages.

The solution is a coverage called Hired and Non-Owned Auto (HNOA) insurance.

This can often be added as an endorsement to your General Liability policy and provides liability protection when you or your employees use personal vehicles for business purposes.³

Insurance Type	Who Needs It in Ohio?	Key Requirements & Nuances
Workers’ Compensation	Any business with one or more employees (full-time or part-time).7	Must be purchased from the state-run Ohio Bureau of Workers’ Compensation (BWC). The BWC policy does NOT include Employer’s Liability; you must buy separate “stop gap” coverage from a private insurer.16
Commercial Auto Insurance	Any business that owns vehicles.3	Minimum state liability limits are $25,000/$50,000/$25,000. Personal auto policies exclude business use; Hired and Non-Owned Auto (HNOA) coverage is needed for personal vehicles used for work.3

Part 5: Specialized Defenses: Reinforcing Your Fortress with E&O, BOPs, and More

Once your foundation wall (GL) and mandatory watchtowers (WC and Auto) are built, you can strategically reinforce your fortress.

A smart business owner assesses their unique landscape and adds specialized defenses to protect against specific threats.

This is where you move beyond general protection and tailor your armor to your industry.

The Professional’s Tower: Errors & Omissions (E&O) / Professional Liability

If your business is built on providing expertise, advice, or skilled services, this tower is non-negotiable.

Also known as Professional Liability insurance, E&O is designed for professionals like accountants, attorneys, IT consultants, architects, and real estate agents.³

It directly fills the “professional services” gap left by your General Liability policy.

While GL covers claims of physical injury or property damage, E&O covers claims of financial loss due to your alleged negligence, errors, or failure to perform your professional duties.³

If an architect’s design flaw leads to costly rework, or a consultant’s bad advice causes a client to lose money, the resulting lawsuit would be an E&O matter.

The Efficient Stronghold: The Business Owner’s Policy (BOP)

For many small, lower-risk businesses, a Business Owner’s Policy (BOP) is the perfect solution.

Think of it as a pre-fabricated, highly efficient stronghold.

A BOP is a package deal that bundles General Liability and Commercial Property insurance together, and often includes Business Interruption insurance as well.³

Buying these coverages as a bundle is typically more cost-effective than purchasing them separately.²²

A BOP is ideal for businesses like retail stores, small offices, and artisan contractors who have a physical location and tangible business assets (like inventory, equipment, and furniture) to protect from risks like fire, theft, or vandalism.⁴

The Digital Moat: Cyber Liability Insurance

In the 21st century, nearly every fortress is vulnerable to attack from a new direction: the digital world.

Cyber Liability insurance is the moat that protects you.

If your business handles any kind of sensitive customer data—credit card numbers, addresses, medical information, social security numbers—this coverage is essential.³

A standard GL policy will not cover the devastating costs of a data breach or cyberattack.

A Cyber Liability policy is designed to cover expenses like notifying affected customers, paying for credit monitoring services, recovering data, and defending against lawsuits related to the breach.³

Part 6: Counting the Bricks: A Realistic Look at General Liability Insurance Costs in Ohio

After the panic from my “near-miss” subsided, my next big question was a practical one: “How much is this fortress going to cost me?” This is where many business owners get stuck, searching for a single magic number.

The truth is, there is no single magic number.

When I started my research, I found a wide range of “average costs.” One source said the average was about $42 per month, another said $96 per month, and a third estimated around $350 per year.¹⁸

This variance isn’t a contradiction; it’s proof that a simple average is a misleading mirage.

A high-risk roofing contractor in a dense Cleveland suburb will pay a vastly different premium than a freelance graphic designer working from a quiet home in rural Ohio.

The real power comes not from knowing the average cost, but from understanding the factors that an insurer uses to calculate your specific cost.

When you understand these levers, you move from being a passive price-taker to an informed, strategic buyer who understands your own risk profile.

Cost Factor	Why It Matters (The Insurer’s Logic)	Example Impact on an Ohio Business
Industry & Profession	Certain professions have a higher likelihood of claims. A construction site has more physical risk than an accounting office.25	A general contractor in Toledo will pay a significantly higher premium than a business consultant in the same city.
Business Location	Premiums are higher in areas with more foot traffic, higher crime rates, or a history of frequent litigation. The risk of a slip-and-fall is greater in a bustling Columbus storefront than a private office.24	A retail shop in the Short North Arts District will likely have higher rates than a similar shop in a less-trafficked suburban strip mall.
Number of Employees	More employees mean more interactions with the public and more opportunities for an incident to occur that could lead to a third-party claim.3	A restaurant with a staff of 20 has more potential for liability claims (e.g., a server spilling hot coffee on a customer) than a sole proprietor.
Annual Revenue	Higher revenue often correlates with larger-scale operations, more clients, and bigger projects, all of which increase the potential size and frequency of claims.3	A construction company with $5 million in annual revenue will pay more than one with $500,000 because it’s involved in more, and likely larger, projects.
Coverage Limits & Deductible	This is the direct trade-off you control. Higher coverage limits (e.g., a $2 million aggregate limit vs. $1 million) increase your premium. A higher deductible (the amount you pay out-of-pocket per claim) will lower your premium.3	Opting for a $2,500 deductible instead of a $500 deductible can reduce your monthly premium, but you take on more initial risk if a claim occurs.
Claims History	Your track record matters. A business with a history of frequent claims is seen as a higher risk and will pay more. A clean history is rewarded with lower rates.1	Two identical landscaping businesses in Akron will have different premiums if one has filed three property damage claims in the past five years and the other has filed none.

Part 7: Choosing Your Fortress Architect: A Practical Guide to Selecting the Right Insurance Partner

A fortress, no matter how well-designed, is only as strong as the architect who oversees its construction.

Choosing your insurance provider is one of the most important decisions you’ll make.

It’s not just about finding the cheapest price; it’s about finding a true partner in risk management.

When you start getting quotes, it’s tempting to just look at the bottom-line premium.

This is a mistake.

You must compare policies like an architect reviewing blueprints.

Look at the details: Are the coverage limits the same? What are the deductibles? Most importantly, read the exclusions.²⁸

A cheap policy is worthless if it has a critical exclusion that leaves your biggest vulnerability exposed.

Beyond the policy itself, research the company.

Are they financially stable? (Look for their A.M. Best rating).

What is their reputation for handling claims? A low premium from a company that fights every claim is no bargain.

This is where I discovered another crucial insight for Ohio business owners.

While you can certainly buy policies directly from online insurers, the unique and sometimes complex nature of Ohio’s insurance landscape makes a knowledgeable, local insurance agent or broker an invaluable asset.

Think about it: Ohio has a monopolistic Workers’ Comp system that requires a separate “stop gap” policy from a private insurer.⁵

Different cities and counties have their own specific insurance rules for contractors that differ from state mandates.¹³

A large, national, online-only provider might not be aware of these local nuances.

An experienced Ohio-based agent, however, navigates this landscape every single day.

They understand the BWC.

They know the local ordinances.

They can provide tailored advice that you simply won’t get from a call center a thousand miles away.

My experience is mirrored in the story of Susan Borison, the publisher of Your Teen Magazine, a business based right here in Beachwood, Ohio.³⁰

When she needed insurance to qualify for a grant, she was overwhelmed.

She turned to a local insurance broker, and she described their expertise as a “gift” that simplified the entire process and gave her crucial peace of mind.³⁰

That’s the value of a great architect.

Part 8: Conclusion: Your Blueprint for a Secure and Thriving Ohio Business

My journey from that panicked Tuesday afternoon to today has been one of transformation.

The fear and confusion I felt staring at that broken laptop have been replaced by a quiet confidence.

That confidence doesn’t come from ignoring risk, but from understanding it, facing it, and building a strategic defense against it.

The Business Fortress model is the blueprint that made it possible.

It’s a simple but powerful mental framework you can use to protect your own Ohio dream:

• Start with the Foundation: Your General Liability policy is the non-negotiable outer wall that protects you from the most common threats.
• Build the Mandatory Watchtowers: Comply with Ohio law by securing Workers’ Compensation (through the BWC, with stop gap coverage) and Commercial Auto insurance.
• Add Specialized Defenses: Assess your unique business and add reinforcements like Professional Liability, a BOP, or Cyber Liability where you are most vulnerable.
• Know Your Blueprint: Read your policy. Understand your coverages, limits, and exclusions.

Building your business fortress is not a one-time task.

It’s an ongoing process of assessment, reinforcement, and adaptation as your business grows and the landscape of risk evolves.

But it is a process you can master.

You don’t have to operate with the same fear and uncertainty that I once did.

By taking a strategic, informed approach, you can build a secure, resilient business ready to thrive right here in the Buckeye State.

Works cited

1. General Liability Insurance Ohio: Instant Quote, Save Up To 25% | NEXT, accessed August 12, 2025, https://www.nextinsurance.com/general-liability-insurance/ohio/
2. Planning to open a small business? Seven insurance questions answered. – Roehr Insurance, accessed August 12, 2025, https://www.roehrins.com/news/planning-to-open-an-ohio-small-business-this-year-your-7-top-insurance-questions-answered
3. Ohio Business Insurance 2025: General Liability & More | Insureon, accessed August 12, 2025, https://www.insureon.com/states/ohio-business-insurance
4. Liability Insurance – General Coverage for Your Business – GEICO, accessed August 12, 2025, https://www.geico.com/general-liability-insurance/
5. Ohio Business Insurance | Progressive Commercial, accessed August 12, 2025, https://www.progressivecommercial.com/business-insurance/ohio/
6. The Best Life Insurance Quotes, Analogies & Memes – Life Design …, accessed August 12, 2025, https://www.lifedesignanalysis.com/blog/the-best-life-insurance-quotes-analogies-memes?lng=en
7. Ohio Business Insurance – Ohio General Liability Insurance | EINSURANCE, accessed August 12, 2025, https://www.einsurance.com/insurance-guide/ohio/general-liability-insurance/
8. Ohio Case Ends in Unanimous $1.3 Million Premises Liability Verdict – Expert Institute, accessed August 12, 2025, https://www.expertinstitute.com/resources/insights/ohio-case-ends-in-unanimous-1-3-million-premises-liability-verdict/
9. Ohio Appellate Court Tossed Verdict – The Eisen Law Firm, accessed August 12, 2025, https://www.malpracticeohio.com/blog/ohio-appellate-court-tossed-verdict/
10. General Liability Insurance – Nationwide, accessed August 12, 2025, https://www.nationwide.com/business/insurance/small-business-liability/
11. General Liability Insurance Claims and Lawsuit Examples | Insureon, accessed August 12, 2025, https://www.insureon.com/small-business-insurance/general-liability/lawsuit-examples
12. Exclusions in Business Insurance Policies: What’s Not Covered?, accessed August 12, 2025, https://www.southernohioins.com/article/exclusions-in-business-insurance-policies-whats-not-covered/
13. Ohio Small Business Insurance: Types, Cost & Requirements, accessed August 12, 2025, https://fitsmallbusiness.com/ohio-small-business-insurance/
14. General Contractor Insurance in Ohio – Insureon, accessed August 12, 2025, https://www.insureon.com/construction-contracting-business-insurance/general-contractors/ohio
15. How to Prove Liability in Slip and Fall Accidents in Ohio | Paulozzi LPA, accessed August 12, 2025, https://law-ohio.com/understanding-slip-and-fall-legal-claims-in-ohio/
16. Ohio Business Insurance – Tailored to Small Business Needs | NEXT, accessed August 12, 2025, https://www.nextinsurance.com/business-insurance/ohio/
17. Ohio Business Insurance: Protecting Your Enterprise, accessed August 12, 2025, https://www.wedavis.com/resources/business-insurance-ohio
18. General Liability Insurance Cost: Fast & Free Quotes | Insureon, accessed August 12, 2025, https://www.insureon.com/small-business-insurance/general-liability/cost
19. General Liability Insurance – Cincinnati, OH | S P Agency, Inc., accessed August 12, 2025, https://spagency.com/insurance/business/general-liability/
20. Contractors Insurance in Ohio | Chris Arnott Agency, Inc., accessed August 12, 2025, https://chrisarnottinsurance.com/contractors-insurance-ohio/
21. Ohio ‎(OH) Business Insurance | General Liability & Beyond – Tivly, accessed August 12, 2025, https://tivly.com/gl-ohio
22. Business insurance in Ohio – CyberPolicy, accessed August 12, 2025, https://www.cyberpolicy.com/business-insurance/ohio
23. Contractors Liability, Work Comp Insurance in Ottawa & Bluffton Ohio – Fortman Insurance Services, LLC, accessed August 12, 2025, https://fortmanins.com/business-insurance/contractors-insurance
24. Average Small Business Insurance Cost (2025 Rates) – MoneyGeek.com, accessed August 12, 2025, https://www.moneygeek.com/insurance/business/small-business-insurance-cost/
25. General Liability Insurance Cost – Progressive Commercial, accessed August 12, 2025, https://www.progressivecommercial.com/business-insurance/general-liability-insurance/general-liability-insurance-cost/
26. Small Business Insurance Costs: Fast & Free Quotes | Insureon, accessed August 12, 2025, https://www.insureon.com/small-business-insurance/cost
27. Factors That Affect Small Businesses’ Insurance Costs – Ollis/Akers/Arney, accessed August 12, 2025, https://ollisakersarney.com/blog/factors-that-affect-small-businesses-insurance-costs/
28. How to Select Business Insurance | Wolters Kluwer, accessed August 12, 2025, https://www.wolterskluwer.com/en/expert-insights/how-to-select-business-insurance
29. Ohio Commercial General Liability Insurance (Cost & Coverage) | Mid., accessed August 12, 2025, https://www.midwest-insure.com/business-insurance/commercial-general-liability-insurance-ohio
30. Small Business Insurance Success Case Study, accessed August 12, 2025, https://www.brunswickcompanies.com/commercial-insurance/why-you-need-business-insurance-case-study/
31. Your Teen Magazine Company Overview, Contact Details & Competitors | LeadIQ, accessed August 12, 2025, https://leadiq.com/c/your-teen-magazine/5a1dd36c2300005900dd178d