BUSINESS INSURANCE
Business Insurance in Dover, Navarre & Across Ohio
McKinnon Insurance Agency helps business owners in Dover, New Philadelphia, Navarre, Massillon and across Ohio review commercial insurance. Request a coverage review by phone or through our website.
From a neighborhood shop to a service business or property portfolio, the risks depend on what you do, where you work, and what you own. Let's start there.
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Commercial insurance experience matters
Aaron Mast leads our commercial insurance operations and brings more than 20 years of insurance experience to the businesses we serve. Aaron has worked in insurance since 2003 and has spent years helping business owners work through property, liability, commercial auto, umbrella and industry-specific coverage questions.
Commercial insurance is rarely one-size-fits-all. Aaron and our team take the time to understand how the business actually operates before recommending a direction.
Meet Aaron and the McKinnon team → · Request a Business Quote →
Farmers Elite Commercial Agency
McKinnon Insurance Agency has earned Farmers Elite Commercial recognition for our commercial insurance work. Farmers' own agency profile notes that Joel McKinnon has been recognized as an Elite Commercial agent every year since 2008.
That commercial focus is a major part of our agency—not an occasional add-on to personal insurance. We work with restaurants, contractors, property owners, associations, auto-service businesses, offices, retailers and other eligible commercial operations across Ohio.
Business insurance is one of our specialties.
Common coverage areas
Business property for eligible buildings, equipment, inventory, and other business assets.
General liability for certain third-party injury and property damage claims.
Commercial auto for vehicles used in the business, where applicable.
Business income may help with eligible income loss following a covered interruption.
Commercial umbrella may provide additional liability limits above qualifying policies.
Other protections depend on your industry, exposures, carrier, and state. Ask our team about specific needs.
Business types we specialize in
Farmers publishes industry-specific commercial insurance information for a wide range of small businesses. Our agency can help review these and other eligible operations:
Restaurants & food trucks — quick-service, casual and fine dining operations. Farmers highlights property, liability, crime, workers' compensation and commercial auto, plus restaurant-specific options such as equipment breakdown and spoilage.
Contractors & landscapers — including plumbers, electricians, painters, landscapers and other home/building service businesses. Ask about tools and equipment, liability, commercial auto and workers' compensation.
Auto service & repair shops — including collision repair, mechanical repair, transmission/exhaust work, quick-lube operations and other eligible automotive service businesses.
HOAs, condominium & community associations — Farmers' HOA program addresses common property and liability exposures and may include options such as directors and officers liability, building ordinance, unit-owner related coverage and crime.
More commercial industries
Apartments & commercial real estate — apartment buildings and complexes, office buildings, retail centers, industrial properties, warehouses and self-storage facilities.
Retail stores & salons — including boutiques, convenience stores, dry cleaners, beauty shops and other eligible retail operations.
Professional offices — doctors, lawyers, consultants and other office-based professionals.
Manufacturing & wholesale — businesses producing or distributing goods, with coverage needs that may include product, equipment, property and transportation exposures.
Pet groomers & pet-service businesses — our agency can review eligible grooming and pet-service operations and determine which carrier/program fits the actual services performed.
Janitorial & cleaning services — we can review eligible commercial cleaning operations, including liability, equipment, employee and vehicle exposures where applicable.
Farmers business coverage can be customized
Farmers describes its Business Owners Policy approach as starting with core property and liability protection and then tailoring coverage to the business. Depending on eligibility and operations, the broader commercial menu can include:
- Business property
- General liability
- Commercial auto
- Workers' compensation
- Business income
- Crime
- Commercial umbrella
- Tools and equipment
- Equipment breakdown
- Building ordinance
- Directors & officers liability for qualifying associations
- Loss-control resources
Every business is different. Industry, payroll, sales, property, vehicles, prior coverage and loss history can affect eligibility and available terms.
Let's talk about what your business actually does
For a useful first conversation, be ready to describe:
Operations — what you sell or the work you perform.
Property — buildings, equipment, inventory and tools.
People — owners, employees and subcontractors.
Vehicles — owned, leased or employee vehicles used for business.
Locations — including multiple premises, jobsites or rental properties.
Current insurance — existing limits, renewal date and loss history.
We'll use those details to determine which Farmers or other agency carrier options are appropriate rather than forcing every business into the same policy.
What our customers say
Read selected Google review excerpts about coverage guidance, helpful answers, and personal service from McKinnon Insurance Agency.
Business Insurance questions
Can you help a business with multiple Ohio locations?
Yes. Tell us about each location, the work performed there, vehicles and property values. Our Dover and Navarre team serves businesses statewide and can review how available policies address your operations.
Does one business policy cover every business risk?
No. Property, general liability, commercial auto and business income address different exposures. Industry-specific coverage or separate policies may be needed. We review your operations before discussing available options.
Ohio coverage help, with a local team
Work with our Dover office or Navarre office, whether you are nearby or elsewhere in Ohio. We serve customers in all 88 Ohio counties; product availability and underwriting still depend on your situation.
Meet the McKinnon team · Explore our Ohio service area · Request a Quote
Dover: 330-339-3431 · Navarre: 330-791-7866
Explore your insurance options
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Coverage resources
These sources provide general product information. They do not confirm eligibility, the availability of every option through our agency, or coverage for a particular claim. Your issued policy and endorsements control coverage.
Page content updated September 30, 2026.