Coverage built for the trade you actually work.
From framing to final punch list, DSB insures contractors across Chillicothe, Columbus, Cincinnati and Dayton — matched to the risks of your specific trade, not a one-size policy.
Coverage for every trade on the job site
Every trade carries different tools, different exposures and different subcontractor relationships. We write policies around the way your trade actually works — here's a starting list.
Don't see your trade listed? We write coverage well beyond this list — tell us what you do and we'll build the policy around it.
Top coverage considerations for independent contractors
Before you compare quotes, it helps to know which exposures actually apply to your work.
General liability: the coverage every policy is built on
A general liability policy provides the base layer of protection, then extends into a few specific components.
Bodily Injury
Covers medical care and legal defense if you or an employee causes injury or death to a third party during the course of work.
Property Damage
Covers damage you or an employee causes to property belonging to others — including the site you're working on.
Completed Operations
Covers a finished project if it later causes damage or develops an issue, and can extend to products you sell or distribute.
Advertising & Personal Injury
Covers claims of slander, libel or false advertising that damage another party's reputation.
Contract Liability
Covers you in a contract dispute. Not automatically bundled into every GL policy — worth confirming it's included.
Subcontractor Exposure
If you use subs, confirm they carry their own liability coverage — your policy may not extend to their work.
Do you need a Business Owners Policy?
A BOP bundles your general liability with the coverages that matter most to a small contracting business — usually at a lower combined cost than buying each separately.
- PROPERTYCovers owned or rented buildings, storage, warehouses and workshops (not commercial vehicles).
- BUS. INCOMEReplaces lost income and covers operating expenses if a covered loss interrupts your business — usually up to 12 months.
- COMM. AUTOInsures trucks, vans and specialty vehicles used for business, separate from your GL policy.
Professional liability coverage
Professional Liability (E&O)
Errors & omissions coverage protects you if a mistake in your advice or work causes a client a financial loss — separate from bodily injury or property damage.
- Worth carrying if you provide advice, specs or design recommendations
- Important if you employ subs who advise clients directly
- Some states or contracts require it outright
How to get your quote
Tell us about your trade
Call, email, or fill out a short form — what you do, your crew size and your typical job.
We shop your coverage
As an independent agency, we compare carriers and structure a policy around your actual risk.
Bind and get to work
Review the numbers, sign, and we'll get your certificates and ID cards to you fast.
Let's get your trade covered right.
Independent contractors across Chillicothe, Columbus, Cincinnati and Dayton trust DSB to match their policy to their actual work — not a generic template.
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