Ohio Casualty Auto Insurance Review (2025)

An Ohio Casualty auto insurance review revealed that this company is a subsidiary of Liberty Mutual Group, which has more than 400 offices.

The majority of Ohio Casualty Insurance Company’s subscribers are small business owners, artisans, and contractors. This company offers policies for your business property or commercial needs.

Coverage contained in commercial policies includes general liability, worker’s compensation, and business auto.

Most businesses use some sort of transportation to provide goods and services unless they are offered exclusively online. Even if your goods and services are offered online, you may use your personal vehicle to shop for supplies.

This usage may qualify your vehicle for commercial coverage.

You can get online auto insurance quotes today by simply entering your ZIP code in the search tool above to get started.

What You Should Know About Ohio Casualty

Commercial auto insurance coverage for your business ensures that, regardless of what happens, your business will run smoothly with the least amount of business interruption.

Ohio Casualty serves seven states to including:

• Ohio
• Washington, D.C.
• Delaware
• Virginia
• Kentucky
• West Virginia
• Pennsylvania

Your personal vehicle may be covered under your commercial policy if it is used for any aspect of your business. Your insurer must be made aware of the use of your personal vehicle for business.

If you have an accident while conducting business, you may not be covered if your insurer determines the details of your accident under your personal policy.

Many people believe they are saving money by bypassing commercial coverage but, in actuality, commercial premiums are not that much different from personal premiums. As your business grows, you will not have to worry about the mounting liability.

Ohio Casualty Insurance Coverage Options

If you own a fleet of vehicles, it is important to have the proper amount of coverage. Ohio Casualty offers discounts and programs for businesses with fleets of vehicles.

If you have to rent a car or truck while one of your business vehicles is in repair, your rental will be covered under your commercial policy.

Your Ohio Casualty policy will pay up to $50,000 for your rental or borrowed vehicle. Your policy will also cover a rental up to $75 per day for up to 30 days.

Gap coverage is also available for your rental if it is involved in an accident resulting in total loss. The policy will pay the difference between the actual cash value and the balance owed.

Multiple car discounts are offered to commercial fleet owners as an incentive to attract business. This practice is common among many insurers including Ohio Casualty.

Relationships are built between your agent and repair shops in the area to minimize cost and generate convenience for all parties.

Ohio Casualty Commercial Umbrella Insurance

Umbrella coverage is convenient for small business owners who do not want to invest in expensive commercial packages.

You are offered small business rates in addition to general liability.

Umbrella protection helps to avoid personal financial devastation when business assets are limited.

Ohio Casualty Auto Insurance Workers’ Compensation

Workers’ compensation is mandatory for any business with more than a few employees. Ohio Casualty has a loss prevention program to help prevent the number of claims filed by your business and its employees.

Safety training educates your employees on how to prevent accidents from happening.

Ohio Casualty offers a library of resources for your employees and customers that will minimize the likelihood of a major expense. These resources also include links to safety websites that offer safety training, webinars, and seminars.

Some of the other prevention tools include:

• Decision Driving
• Ergonomics
• Disaster Preparedness

Even after an incident occurs and your employee is ready to return to work Ohio Casualty offers a “Fit4work” program to make sure they are ready to return to the job.

The Ohio Casualty’s resource center goes steps further in providing tools for policyholders. Enter your policy number and you can view your policy as well as make payments. More information on the resource center is available on the company website for your review.