Columbus has 914,802 residents in 390,528 households. We list 21 agencies for business owners policy (bop) insurance in Columbus. Here is what the local numbers say about the cover people here need.

Columbus at a glance

21business owners policy (bop) insurance agencies listed
55.9%of households rentRenters insurance
$252,900median home valueHome insurance
1980median year homes were builtRebuild cost calculator
8.5%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Franklin County

FEMA rates the overall natural hazard risk in Franklin County, where most Columbus agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
HailRelatively High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Columbus
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Columbus
Winter weatherRelatively High
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Columbus

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Ohio

Ohio requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Columbus How much liability cover do you need?

Source: insurance.ohio.gov. Checked 2026-10-24.

Insurance companies Columbus agencies work with

Of the 21 Columbus agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers12 agencies
Liberty Mutual11 agencies
Liberty Mutual (Safeco)11 agencies
Safeco10 agencies
The Hartford9 agencies
Employers8 agencies
Nationwide (Colonial)8 agencies
Progressive8 agencies
Travelers (Standard Fire)8 agencies
Foremost7 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Columbus agencies are

Columbus agencies we list sit in 9 ZIP codes, mostly in Franklin County.

432157 agencies
432123 agencies
432203 agencies
430852 agencies
432212 agencies
432051 agency
432061 agency
432301 agency
432401 agency

Questions

Business Owners Policy (BOP) insurance in Columbus

All insurance agencies in Columbus · Business Owners Policy (BOP) insurance across Ohio

Where can I find business owners policy (bop) insurance in Columbus?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does business owners policy (bop) insurance cover?

Bundles property, liability and business interruption for smaller firms.

Which insurance companies do Columbus agencies work with?

Among the 21 Columbus agencies whose appointments we hold, the companies they are most often appointed with are Travelers (12), Liberty Mutual (11), Liberty Mutual (Safeco) (11), Safeco (10), The Hartford (9). An appointed agency can quote that company's policies.

Do I need flood insurance in Columbus?

FEMA's National Risk Index rates inland flooding risk in Franklin County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Business Owners Policy (BOP) insurance near Columbus

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