Business Insurance Options

Experience the benefits of having a dedicated insurance team behind your business that’s committed to developing and delivering customized solutions.

Dwight Andrus Insurance

Insurance Options for Businesses

As a committed part of your team, our experienced consultants and service staff are dedicated to taking care of your company’s insurance needs. This allows you to focus your time and energy on running your business.

Call for Your Solution

Email for Your Solution

Lines of Coverage

Protecting your business is our top priority. From the liability present in your offices and out in the field to unexpected events that affect your people and the customers you serve, we work to protect your company by providing commercial lines insurance.

Services & Benefits

We know that managing insurance coverage for a business can feel complicated. With so many moving parts, keeping track of policies and having guidance to make the right decisions is paramount. From marketing reviews to insurance certificates, we offer supplemental services and benefits that make your job easier. Reference our complete list of services and benefits below.

Coverage You Can Count On

Commercial Liability

Coverage for third-party bodily injury or property damage.

Workers’ Compensation

Protection for workers who get injured on the job. 

Commercial Property

Coverage for property managed, leased or owned by a business.


Insurance coverage for business activities on inland waters or offshore.

Umbrella Policies

Additional coverage for unforeseen areas of liability.

Inland Marine

Asset protection for valuable items held by your business. 

Commercial Automobile

Protection for company vehicles for things like damage to your vehicle(s), driver injury, injury to someone else, damage to someone else’s property.

Auto Dealer

Coverage for the various risks of operating an auto dealership.

Professional Liability

Coverage that aids professionals who may encounter negligence claims.

Directors & Officers Liability

Protection of personal assets for corporate directors, officers and their spouses.

Cyber Liability

Coverage for damages and losses that result from adverse cyber events.

Crime/Employee Dishonesty

Protection from financial losses due to dishonest or criminal acts of employees. 

Parametric Insurance

Supplemental protection that provides payouts based upon certain trigger events.

Fiduciary Liability

Protection from mismanagement and legal liability claims for fiduciaries.

Employment-Related Practices

Employer protection that covers issues such as sexual harassment, discrimination and more.

Business Interruption

Protection that covers loss of income that a business may suffer after a disaster. 

Group & Single Parent Captive

An insurance company that is owned by the businesses it insures to give more control, reduce risks and increase potential for profits. 

Services & Benefits

*Some services/benefits are provided through third parties.

  • Marketing Strategy
  • Options Assessment
  • Strategic Loss Control Services* – Safety Management Systems an Acadian Company
  • Forensic Evaluations / Vehicle Accident Reconstruction / Evidence Preservation / Crash & Infotainment Data
  • Master Service Agreement (MSA) and Other Contractual Insurance Requirement Review*, Including Insurance Review and Negotiation Services
  • Web-Based Compliance Management Assistance
  • Safety & OSHA Program Development
  • Safety & OSHA Training Systems
  • Complex Claims Mitigation and Negotiation
  • Experience Modification Factor (EMR) Management and Reduction Services
  • Insurance & Risk Management Due Diligence Services
  • Proactive Insight to Risk Management
  • Ease of Delivery
  • DOTD Compliance, Consulting and Resources

Note: The above is meant as general information to help you understand the different types of coverages and services available. References to insurance policies and coverages do not refer to any specific policy of insurance and do not modify any definitions, exclusions or any other provision expressly stated in any policies of insurance. We encourage you to speak to your insurance consultant and to read your policy contract to fully understand your coverages.