Business Insurance

Whether your company is large or small, and its property is owned or leased, D&O is equipped to provide it with a full complement of business insurances. In fact, we serve a wide range of businesses, from professional offices and hospitals to construction sites and municipalities.

Our professional staff performs a careful, detailed review of your business to map a comprehensive coverage plan that meets your legal obligations, financial projections and operational goals. We can also help your company manage the employee benefits it provides.

Business, or commercial, insurance protects your business from loss caused by unforeseen circumstances. In addition to providing valuable protection against theft, property damage and liability, business insurance can also provide coverage for business interruption and employee injuries.

• Workers’ Compensation
• Commercial Property
• Commercial General Liability
• Professional Liability
• Commercial Vehicle
• Surety and Bonding
• Employee Benefits

To find the right coverage for your business, talk to D&O. We’ll draw on our extensive network of insurance carriers to secure the right package for your unique enterprise. 

Workers' Compensation

Workers' Compensation insurance covers the cost of medical expenses and disability payments if an employee is injured on the job. It also provides your business with liability protection in the event that it is sued for damages arising from employment-related accidents or diseases.

Commercial Property

Commercial property insurance protects your business against the loss or loss of use of company property, including buildings, computers, money and valuable papers.

Commercial General Liability

Commercial general liability insurance provides financial protection in the event your business is sued or held legally responsible for injury or damage. It pays for losses arising from bodily injury, property damage or personal injury on your business premises or arising from your operations.

Professional Liability

Also called professional indemnity insurance, professional liability insurance protects against such claims as negligence, misrepresentation, violation of good faith and inaccurate advice—as opposed to commercial general liability insurance, which only protects against property damage and bodily and personal injury.

Commercial Vehicle

Commercial vehicle, or business auto, insurance protects your company-owned vehicles, leased or rented vehicles, and your employees' vehicles used for business purposes. It is generally comprised of liability, collision and personal injury protection as well as coverage for uninsured motorists.

Surety and Bonding

Surety insurance, sold in the form of a surety bond, guarantees the performance by one party of an obligation to another. The most common type of surety insurance is construction bonding, which insures that contractors will be able to complete a construction contract and pay their suppliers and subcontractors.

Employee Benefits

Employee benefits plans protect your employees. D&O can work with you to put together an attractive benefits package, comprised of any combination of the following benefits: group medical, life insurance, short-term disability, long-term disability and financial planning.