Commercial Insurance That Works as Hard as You Do
Protect Your Business, Your Way
Running a business comes with risks—but it shouldn’t come with guesswork. That’s why we offer commercial insurance policies built to support your operations, protect your assets, and give you peace of mind. Whether you're just getting started or managing a growing team, we help you navigate your coverage with clarity and care.
At Dwyer Insurance, we get to know your business first—then tailor solutions that fit. From property and liability to specialized add-ons, we make sure you're covered without overcomplicating the process or your budget.
Coverage That Means Business
Smart insurance starts with knowing what to ask—and what to expect.
5 Commercial Insurance Tips Every Business Owner Should Know:
Know What Coverage Is Legally Required
Depending on your industry, certain types of liability or workers' comp may be mandatory.
Don’t Overlook Business Interruption Insurance
If you had to temporarily close, would your income continue? This add-on can make a big difference.
Bundle Business Policies for Better Rates
General liability, property, and commercial auto can often be packaged for cost savings.
We’re here to help you build a policy that moves with your business.
We help local businesses get coverage that feels like a good fit.
Common Commercial Coverage Options
General liability insurance
Commercial property insurance
Commercial auto insurance
Business interruption coverage
Every business is different. Customize with confidence.
Add-Ons That Make a Difference
Professional liability (E&O)
Equipment breakdown
Cyber liability protection
Workers' compensation
FAQs for Ohio Business Owners
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What kind of insurance does a small business legally need in Ohio?
In Ohio, small businesses are legally required to carry workers’ compensation insurance if they have employees and commercial auto insurance if they use company-owned vehicles. Other coverages like general liability or property insurance aren’t mandatory but are strongly recommended for protection and contract compliance.
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How do I know how much coverage I need?
The coverage you need depends on your business type, assets, number of employees, industry risks, and contractual obligations. A licensed agent can help evaluate your exposure and tailor a policy that protects your operations without overpaying for unnecessary coverage.
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Can I get coverage if my business is home-based?
Absolutely. Many home-based businesses still need liability and property coverage. We’ll help you bridge any gaps in your homeowners policy.
What We’ll Ask to Get Started
A quick chat helps us tailor your policy from the start:
Business name, type, and location
Description of services or products
Number of employees
Equipment or vehicles used for business
