What are the mandatory COI insurance limits for a HVAC & Refrigeration Contractor in Ohio?

Standard general contractors and commercial projects in Ohio require $1,000,000 per occurrence, $2,000,000 general aggregate, and $1,000,000 umbrella coverage per Ohio Construction Industry Licensing Board (OCILB) guidelines.

Why do general contractors reject ACORD 25 certificates?

The top 3 reasons for certificate rejection are: (1) Missing completed operations additional insured endorsements (CG 20 37), (2) General aggregate limit set below project specifications, and (3) Fatal Action Over or Labor Law 240 exclusion endorsements.

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HVAC & Refrigeration Contractor COI Requirements in Ohio

Verified compliance checklist for subcontractors operating in Ohio under Ohio Construction Industry Licensing Board (OCILB).

Statutory Policy Minimums

Coverage Type	Mandatory Specification
General Liability (Each Occurrence)	$1,000,000
General Aggregate Limit	$2,000,000
Umbrella / Excess Liability	$1,000,000
Workers' Compensation	Monopolistic State Fund (BWC mandatory for 1+ employees)
Regulatory Oversight	Ohio Construction Industry Licensing Board (OCILB)

Mandatory High-Risk Endorsements

Subcontractors in HVAC & Refrigeration Contractor are routinely exposed to exclusions that leave General Contractors liable. Verify these endorsements are attached:

🛡️ EPA Refrigerant Evacuation Rider🛡️ Completed Operations CG 20 37🛡️ Primary & Noncontributory CG 20 01

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