Property & Casualty Insurance

Protecting Your Business Assets

At Dostal & Kirk, we understand that property and casualty insurance isn’t about replacing what’s broken or lost. It’s also about keeping your business running and your people protected. That’s why we tailor every policy to fit how you operate, where you operate, and what you depend on to stay in business.

For a variety of business owners who own a small shop, manage a growing fleet, or operate heavy equipment across job sites, we help ensure your coverage reflects the real-world risks you face.

Comprehensive Coverage, Built Around Your Business

We go beyond the basics to provide truly customized property and casualty insurance solutions, including:

Building & Business Personal Property

Covers your physical building (owned or leased) and everything inside—from furniture to computers to inventory. If you have valuable business personal property, we help protect it from fire, theft, vandalism, and more.

Machinery, Tools & Mobile Equipment

Tools and equipment are essential to your productivity. If your business relies on fixed machinery, job site tools, or mobile equipment like forklifts or skid steers, we’ll build coverage that moves with you, on or off the premises.

Time Element & Income Protection

When damage halts your operations, the right business income coverage can help you recover lost revenue and cover payroll or overhead expenses. We offer guidance on time element policies that bridge the financial gap and get you back to work faster.

Commercial Auto

From delivery vans to service trucks, your vehicles keep your business running. We help protect them—and the people driving them—with coverage for accidents, property damage, liability, and more. Whether you have one vehicle or an entire fleet, we’ll tailor a policy that keeps your business moving forward.

Going Beyond Insurance

We believe in being more than your agent—we’re your advocate and advisor. That’s why we offer:

Site walkthroughs to assess exposures
Custom checklists for machinery or tool tracking
Policy reviews aligned with seasonal or operational changes
Regular check-ins for growing businesses

Two Dostal & Kirk team members standing confidently in front of the historic Palace Theatre, representing reliable property and casualty insurance services

Let’s Talk About the Risks You Don’t See

Many clients come to us with gaps they didn’t know existed—like outdated valuations, missing mobile equipment coverage, or income protection limits that wouldn’t last more than 30 days. We help fix what’s missing and strengthen what’s already working.

Connect with us today for a no-obligation review of your property and casualty insurance. Let’s build a safer, smarter future for your business.