Smart Protection for Serious Business
Commercial Business Insurance
Insurance solutions built to protect your business — with flexibility, speed, and over a century of trust.
At Rust Insurance, we don’t believe in one-size-fits-all. Since 1889, we’ve built custom commercial insurance programs for businesses across Washington, D.C. — from major broadcasters and tech consultants to schools, daycares, and creatives.
Your coverage starts with a real conversation — where we assess your specific risks, then tailor a policy that fits your needs, your goals, and your bottom line.
Trusted by Businesses. Backed by Experience.
Why Rust Insurance?
Proven Since 1889
130+ years of stability, integrity, and real-world experience protecting D.C.'s business community.
Options That Fit You
We work with top-rated carriers to tailor coverage and payment plans to your needs — not the other way around.
Real People. Fast Help.
When you call, someone answers. When you need a certificate, it’s priority one. That’s how we do business.
Commercial Insurance Options
COVERAGE THAT’S BUILT TO FIT
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Your business isn’t just an idea — it’s physical space, equipment, and reputation. Property and liability coverage protects what you’ve built, what you own, and the people who interact with your business every day.
Property & Building Insurance (includes computer equipment)
General Liability
Umbrella Liability
Meeting & Event Cancellation
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Your team, your vehicles, your benefits — this is the day-to-day machinery of your business. These coverages help you protect your people and keep operations moving when the unexpected happens.
Workers’ Compensation
Commercial Auto (Owned / Non-Owned / Hired)
Business Travel Accident Insurance
Group Benefits (Life, Health, Dental)
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Some risks don’t show up on standard forms. If your business operates in complex, regulated, or high-risk industries, you need advanced coverage options designed to handle everything from lawsuits to international travel to media liability.
Professional Liability
Errors & Omissions
Employment Practices Liability
Directors & Officers (D&O)
Foreign Property & Liability
Inland Marine Coverage
Kidnap & Ransom Coverage
Crime & Excess Bonding
Aircraft Coverage (Owned / Non-Owned)
Not sure what protection you need?
Let’s figure it out together.
Built on Trust. Proven by Clients.
What Business Owners Are Saying
★★★★★
“Navigating insurance is confusing and time consuming, especially for a small business owner. That's why having Billy and the team at Rust in your corner is so important. They provide expert advice, find the best options and tailor coverage to your needs. They are responsive and fun to work with, too. Rust is an asset and a trusted partner.”
— Greg H.
★★★★★
“Rust Insurance has been a
steady partner for years, providing
cost-effective coverage and
thoughtful attention to our
organization’s insurance needs.
Billy Simons is
always available if we have a question, and he has always shown
great initiative checking in on us.”
— Mike R.
★★★★★
“Rust insurance is exceptional—they consistently find cost-saving opportunities without compromising protection. Their dedication and attention to detail provide peace of mind, making them an invaluable partner in safeguarding our assets and ensuring comprehensive, affordable insurance solutions. Simply put, our organization would be lost without Billy and his incredible team. ”
— Jackie
Ready to become one of our success stories?
Still Have Questions? We’re Ready.
Let’s Protect
Your Business the Right Way!
Whether you know exactly what coverage you need — or don’t know where to start — we’ll help you figure it out. No jargon. No pressure. Just smart, straightforward advice from a team that answers the phone.