Business insurance built around your operation — not a one-size-fits-all policy.
Running a business is hard enough without trying to decode insurance policies. As an independent agency, we compare coverage and pricing across multiple carriers to find the package that actually fits your business and your budget.
At DSB Insurance Agency, we’re an independent agency. That means we don’t work for one insurance company — we work for you. One conversation gets you quotes from multiple carriers, compared side by side, so you can see real options instead of a single take-it-or-leave-it price.
From Main Street retailers to contractors, restaurants, and property owners, we insure businesses throughout the Chillicothe area and across Ohio — and we’re led by a Certified Insurance Counselor with advanced training in commercial coverage.
is all it takes to get your business compared across multiple carriers — no separate calls, no repeating your story to five different companies.
Straightforward advice. No captive-agent tunnel vision.
We shop the market for you
One call gets you quotes from multiple carriers. A captive agent can only offer one company’s products — we’re not limited to one menu.
We look for gaps, not just price
A cheap policy riddled with exclusions isn’t a bargain. We review your operations to catch the risks a basic policy misses.
We stay proactive
We flag changes that could raise your premiums or your exposure, and help with risk management that protects your business year-round.
You work with a CIC
Our team includes Certified Insurance Counselor–designated professionals, a credential that requires ongoing advanced training in commercial coverage.
We’re your neighbors, not a call center. Stop by our Chillicothe office, or give us a call — you’ll talk to a real person who knows Ohio businesses.
🐾 Ask about Davina, our office dog — she approves every policy.BOP vs. Commercial Package Policy: which do you need?
Not sure which one fits? That’s exactly what we’re here for — we’ll walk through your operation and recommend the right structure.
Business Owners Policy (BOP)
Think of it as a stereo-in-a-box. Property and general liability coverage come pre-packaged together, usually at a lower cost. A great fit for many small and mid-sized businesses — offices, retail shops, and service businesses.
Commercial Package Policy (CPP)
This is like building a stereo system one component at a time. You choose each coverage separately for more flexibility and higher limits — often the better fit for larger operations, contractors, or specialized risks.
Whatever your risk looks like, we can likely cover it.
Core Business Coverage
Specialty Liability
Equipment & Projects
Specialized coverage for the work you actually do.
Contractors & Trades
General contractors, electricians, plumbers, painters, and landscapers.
See Contractors Insurance →Auto Service
Repair shops, auto body shops, and service & repair businesses.
Real Estate
Apartment owners, property managers, condo associations, and self-storage facilities.
Hospitality & Retail
Restaurants and retail stores of every size.
Professional & Nonprofit
Professional offices, medical professionals, and churches.
Frequently Asked Questions
How much does business insurance cost in Ohio?
It depends on your industry, payroll, revenue, location, and claims history. Because we compare multiple carriers, we can usually find competitive pricing without sacrificing coverage.
Do I need business insurance if I’m a small or home-based business?
Often, yes. Most homeowners policies exclude or strictly limit business activity. Many clients and landlords also require proof of liability coverage before they’ll work with you.
How fast can I get a certificate of insurance?
Contact our office and we’ll turn it around quickly. Current clients can also request certificates through our Service Center.
Can you review the policy I already have?
Absolutely. We’ll look for gaps, overlaps, and savings opportunities at no cost.
Get Your Business Insurance Quote
Every business is different, so the fastest way to the right coverage is a quick conversation.