Running a business is one of the bravest things you can do. You’ve invested your time, your savings, and your name into something you built. One bad day shouldn’t take it all away.
Commercial insurance in Richwood, Ohio, protects your business from liability, property damage, vehicle accidents, and employee claims. MJ Knapp Insurance Agency builds customized coverage for small businesses, contractors, retailers, and startups across Ohio.
Business Insurance Solutions
Coverage Built for Your Actual Risks
Every business faces unique exposures. Our commercial lines specialist works with you to build a policy that covers your actual operations, not a generic checklist.
General Liability Insurance
The foundation of any business insurance plan in Richwood. Covers third-party bodily injury, property damage, and advertising injury claims. If a customer slips at your location or your work damages someone’s property, general liability protects you from a financially devastating lawsuit.
- Third-party bodily injury protection
- Property damage liability
- Products & completed operations coverage
- Personal and advertising injury
Workers Compensation Ohio
If you have employees in Ohio, workers’ compensation is legally required from the moment you hire your first worker. Beyond compliance, it’s the right thing to do, covering medical expenses and lost wages for employees injured on the job.
- Covers medical treatment for work-related injuries
- Replaces lost wages during recovery
- Protects against employee lawsuits
- Required by Ohio law for most employers
Commercial Auto Insurance
If you use vehicles for business purposes, a single truck or a full fleet, personal auto insurance won’t cover you. Commercial auto insurance in Ohio covers your vehicles, drivers, and the goods you transport, from job-site contractors to delivery drivers.
- Liability for accidents involving business vehicles
- Physical damage to owned, leased, or hired vehicles
- Hired & non-owned auto coverage
- Motor cargo and tools & equipment protection
Business Property Insurance
Your building, equipment, inventory, and furniture are your business’s lifeblood. Business property insurance protects you from fire, theft, vandalism, and other covered losses, whether you own your building or lease a space.
- Building and structure protection
- Business personal property coverage
- Business interruption/loss of income
- Builders’ risk for construction projects
Who We Serve
Insurance for Every Business Type in Ohio
We work with businesses across many industries. No matter what you do, we’ve likely built a plan for a business like yours.
Contractor Insurance Ohio
Contractors face unique exposures on job sites, on the road, and in clients’ homes. Our contractor insurance plans combine general liability, commercial auto, tools and equipment coverage, and builders’ risk into a single, manageable policy. Stop worrying and focus on the job.
Retail & Storefront Businesses
Customer foot traffic means slip-and-fall risk. Inventory means theft risk. A Business Owners Policy (BOP) bundles general liability and property insurance into one affordable package designed specifically for small business insurance in Ohio retail operations.
Insurance for LLC in Ohio
Forming an LLC protects you personally, but it doesn’t protect your business. Insurance for an LLC in Ohio ensures that your company’s assets, operations, and employees are covered even when your personal liability protection ends. We help Ohio LLCs get properly insured from day one.
Startup Business Insurance Ohio
New in business? Many Ohio entrepreneurs don’t realize they need coverage from the very first day they open. Startup business insurance in Ohio protects you from risks that begin the moment you serve your first customer. We make it simple, affordable, and stress-free to get covered fast.
Why MJ Knapp
Local Ohio Businesses Trust Us
We’re not a national 1-800 company. We’re your neighbors in Richwood, Ohio. Here’s what that means for your business:
01
Local Expertise
We understand Ohio's business climate, regulations, and regional risks, insight no national chain can replicate.
02
Independent Agency
We shop your coverage across multiple carriers to find the best combination of protection for your needs.
03
Fast Claims Support
When you have a claim, you work with us directly, not a nameless call center halfway across the country.
04
Customized Plans
We identify risks specific to your business, not a template. No two policies we build are exactly the same.
05
Business Insurance Consultation
We review your operations and help create a coverage plan that fits your business needs.
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Incredibly professional and friendly staff. Will go all out to help find the best deal for their customers.
Get Your Free Business Insurance Consultation
No pressure. No generic quotes. Just a real conversation about protecting what you've built.
(800) 943-3923
REQUEST A CONSULTATION
Business Insurance FAQs
Have questions about commercial insurance in Ohio? We hear these often. If yours isn’t here, just call us.
Do I need commercial insurance before my business opens?
Yes. Your risk begins on day one. If you suffer a loss before getting covered, even in your first week, there’s nothing your agent can do retroactively. Ohio also requires certain coverages (like workers’ comp) before you can legally operate with employees.
What is a Business Owners Policy (BOP), and is it right for me?
A BOP bundles general liability insurance in Ohio and business property insurance into a single, discounted policy. It’s ideal for small to mid-sized businesses in retail, service, or professional industries. Our business insurance consultation will tell you whether a BOP or separate policies make more sense for your situation.
Is commercial auto insurance different from personal auto insurance?
Yes significantly. Personal auto insurance typically excludes vehicles used for business purposes. Commercial auto insurance in Ohio covers business-owned vehicles and can also protect employees using their personal cars for work tasks (hired/non-owned coverage).
What does general liability insurance NOT cover in Ohio?
General liability insurance in Ohio does not cover employee injuries (that’s workers’ comp), professional errors or omissions (that requires professional liability), or your own business property. Each of these requires separate coverage, and we help you identify all the gaps.
How much does small business insurance cost in Ohio?
Coverage costs vary significantly based on industry, revenue, number of employees, and coverage types. Rather than list a figure that may not apply to your business, we recommend a direct business insurance consultation.
Can I get coverage for tools and equipment on job sites?
Yes. Tools and equipment coverage is a common add-on for contractor insurance in Ohio and other trades. It covers theft, damage, and loss of the tools your business depends on, whether they’re at your shop or on a job site.
Protect What You’ve Built
Get a free business insurance consultation with MJ Knapp Insurance Agency, Richwood, Ohio’s trusted independent insurance professionals since 1934.
Call (800) 943-3923
