--- title: "Ohio builders risk: identify the site operator and permit boundary" description: "An Ohio quote should identify the project boundary, construction operator and permit authority, including whether any site lies in tribal jurisdiction." canonical: "https://spot.insure/coverage/builders-risk/ohio" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/builders-risk/ohio) # Ohio builders risk: identify the site operator and permit boundary Ohio’s NPDES construction rules include smaller phases within a qualifying common plan, and the permit application identifies the owner or operator, coordinates and ground-disturbance boundary. EPA issues NPDES permits on tribal lands in Ohio; Ohio EPA issues permits elsewhere. Give the broker the exact parcel, work boundary and operator rather than assuming the developer and contractor roles are interchangeable.[^1][^2][^3] **Coverage:** [Builders risk](/coverage/builders-risk) · [Ohio](/coverage/states/ohio) ## What Is Builders Risk? Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. [Read the national Builders risk guide](/coverage/builders-risk). ## What to Watch for in Ohio ### Count the full common plan Ohio’s NPDES rules include construction below one acre when it is part of a larger common plan of at least one acre; the small-construction category is limited to one to under five acres unless separately designated. Routine maintenance that preserves line, grade, hydraulic capacity or original purpose is excluded from that definition.[^1] ### Name the actual operator For construction stormwater coverage, Ohio’s NOI rule asks for the owner or operator’s identity, project coordinates and a map outlining the ground-disturbance boundary. The operational-control role may differ from the property owner. Tell the broker who owns the project, directs daily site work and owns stored materials.[^2] ### Check permit authority by parcel EPA says it issues NPDES permits for Ohio tribal lands, while Ohio EPA issues other NPDES permits. If a project crosses or abuts tribal jurisdiction, identify each project parcel and ask which operator and property locations the proposed policy names.[^3] ## Who Regulates Insurance in Ohio **Ohio Department of Insurance.** ODI licenses insurance agents and agencies and provides a public agent and company locator. Its consumer complaint form accepts insurance complaints and lets you identify an agent or company.[^4][^5][^6] - [Regulator website](https://insurance.ohio.gov/) - [License lookup](https://gateway.insurance.ohio.gov/UI/ODI.Agent.Public.UI/AgentSearch.mvc/DisplaySearch) - [File a complaint](https://gateway.insurance.ohio.gov/UI/ODI.CS.Public.UI/Complaint.mvc/DisplayConsumerComplaintForm) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 5% of gross premium, net of return premiums For Ohio-home-state surplus-lines placements, Ohio sets a 5% tax on gross premiums after returned premiums and requires the surplus-lines broker to collect it when the policy is delivered. A diligent search usually applies; a qualifying exempt commercial purchaser may request nonadmitted placement in writing after disclosure that authorized-market coverage may offer greater protection, and the policy requires a signed notice of no Ohio guaranty-association benefits.[^7][^8][^9] ## Providers With Documented State Licenses No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. [Check the regulator’s license lookup](https://gateway.insurance.ohio.gov/UI/ODI.Agent.Public.UI/AgentSearch.mvc/DisplaySearch) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in Ohio 1. Who owns the project, controls daily construction and operates the stormwater permit? 2. Does the project include phases or parcels within a common development plan, and where is the disturbance boundary? 3. Is any property in tribal jurisdiction, and which agency has NPDES authority for that parcel? 4. Which materials, existing structures and contractor equipment are separately addressed in the quote? ## Builders Risk in Ohio: FAQ ### Can an Ohio phase under one acre still be included in construction-stormwater rules? Yes. Ohio’s rule includes a smaller disturbance that is part of a common plan ultimately disturbing at least one acre, subject to the rule’s definition and exceptions.[^1] ### Does Ohio EPA issue every Ohio NPDES permit? No. EPA issues NPDES permits on tribal lands in Ohio; Ohio EPA issues other permits.[^3] ## Builders Risk in Other States - [Alabama](/coverage/builders-risk/alabama) - [Alaska](/coverage/builders-risk/alaska) - [Arizona](/coverage/builders-risk/arizona) - [Arkansas](/coverage/builders-risk/arkansas) - [California](/coverage/builders-risk/california) - [Colorado](/coverage/builders-risk/colorado) - [Connecticut](/coverage/builders-risk/connecticut) - [Delaware](/coverage/builders-risk/delaware) - [District of Columbia](/coverage/builders-risk/district-of-columbia) - [Florida](/coverage/builders-risk/florida) - [Georgia](/coverage/builders-risk/georgia) - [Hawaii](/coverage/builders-risk/hawaii) - [Idaho](/coverage/builders-risk/idaho) - [Illinois](/coverage/builders-risk/illinois) - [Indiana](/coverage/builders-risk/indiana) - [Iowa](/coverage/builders-risk/iowa) - [Kansas](/coverage/builders-risk/kansas) - [Kentucky](/coverage/builders-risk/kentucky) - [Louisiana](/coverage/builders-risk/louisiana) - [Maine](/coverage/builders-risk/maine) - [Maryland](/coverage/builders-risk/maryland) - [Michigan](/coverage/builders-risk/michigan) - [Minnesota](/coverage/builders-risk/minnesota) - [Mississippi](/coverage/builders-risk/mississippi) - [Missouri](/coverage/builders-risk/missouri) - [Montana](/coverage/builders-risk/montana) - [Nebraska](/coverage/builders-risk/nebraska) - [Nevada](/coverage/builders-risk/nevada) - [New Hampshire](/coverage/builders-risk/new-hampshire) - [New Jersey](/coverage/builders-risk/new-jersey) - [New Mexico](/coverage/builders-risk/new-mexico) - [New York](/coverage/builders-risk/new-york) - [North Carolina](/coverage/builders-risk/north-carolina) - [North Dakota](/coverage/builders-risk/north-dakota) - [Oklahoma](/coverage/builders-risk/oklahoma) - [Oregon](/coverage/builders-risk/oregon) - [Pennsylvania](/coverage/builders-risk/pennsylvania) - [Rhode Island](/coverage/builders-risk/rhode-island) - [South Carolina](/coverage/builders-risk/south-carolina) - [South Dakota](/coverage/builders-risk/south-dakota) - [Tennessee](/coverage/builders-risk/tennessee) - [Texas](/coverage/builders-risk/texas) - [Utah](/coverage/builders-risk/utah) - [Vermont](/coverage/builders-risk/vermont) - [Virginia](/coverage/builders-risk/virginia) - [Washington](/coverage/builders-risk/washington) - [West Virginia](/coverage/builders-risk/west-virginia) - [Wisconsin](/coverage/builders-risk/wisconsin) - [Wyoming](/coverage/builders-risk/wyoming) [Other Coverage in Ohio](/coverage/states/ohio) ## Sources [^1]: [Rule 3745-39-04: Ohio EPA NPDES Requirements](https://codes.ohio.gov/ohio-administrative-code/rule-3745-39-04) — Ohio Legislative Service Commission / Ohio Administrative Code; Effective Jan. 23, 2025; sections A and B on permitted stormwater discharges and small construction activity, including common-plan coverage and applicable designated-site conditions.. Accessed 2026-09-28. [^2]: [Rule 3745-38-02: Requirements for General NPDES Permits](https://codes.ohio.gov/ohio-administrative-code/rule-3745-38-02) — Ohio Legislative Service Commission / Ohio Administrative Code; Sections E(3) and K: NOI information for construction permit, including owner/operator, site coordinates and disturbance map; permit transfer notice and responsibility date.. Accessed 2026-09-28. [^3]: [Ohio NPDES Permits](https://www.epa.gov/npdes-permits/ohio-npdes-permits) — U.S. Environmental Protection Agency; Ohio program jurisdiction: EPA issues all NPDES permits on tribal lands; other permits are issued by Ohio EPA. Page last updated Nov. 5, 2025.. Accessed 2026-09-28. [^4]: [ohio insurance regulator](https://insurance.ohio.gov/) — State insurance regulator; Official regulator home page and consumer/industry navigation.. Accessed 2026-09-28. [^5]: [Ohio Department of Insurance Agent / Agency Locator](https://gateway.insurance.ohio.gov/UI/ODI.Agent.Public.UI/AgentSearch.mvc/DisplaySearch) — State insurance regulator; Public search fields for agent and agency name, NPN, license number, city, ZIP, residency, and license type.. Accessed 2026-09-28. [^6]: [Ohio Department of Insurance Consumer Complaints Form](https://gateway.insurance.ohio.gov/UI/ODI.CS.Public.UI/Complaint.mvc/DisplayConsumerComplaintForm) — State insurance regulator; Online complaint form collects insurer, coverage, agent, issue, and supporting documents; page warns submissions may be public records.. Accessed 2026-09-28. [^7]: [Ohio Revised Code §3905.36](https://codes.ohio.gov/ohio-revised-code/section-3905.36) — Ohio Laws; Division (B): 5% of gross premiums after return premiums; surplus-lines broker collects from insured at policy delivery.. Accessed 2026-09-28. [^8]: [Ohio Revised Code §3905.38](https://codes.ohio.gov/ohio-revised-code/section-3905.38) — Ohio Laws; Division A: Chapter 3905 rules do not apply when Ohio is not insured's home state.. Accessed 2026-09-28. [^9]: [Ohio Revised Code §3905.33](https://codes.ohio.gov/ohio-revised-code/section-3905.33) — Ohio Laws; Divisions (B)(1), (B)(4): five-market diligence and ECP disclosure/written request; division (C): signed notice of no Ohio Insurance Guaranty Association benefits.. Accessed 2026-09-28. [^10]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^11]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^12]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^13]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^14]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^15]: [About Risklytics](https://www.risklytics.ai/about/) — Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16. [^16]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^17]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/builders-risk/ohio.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)