Business Insurance


Operating a business comes with many challenges and complexities. Insurance doesn’t have to be one of them. Nicholas / Tobin’s team of business specialists will guide you through an initial risk assessment and find the best-suited coverage options. Peace of mind can be all in a day’s work.

Property & General Liability

Protect property and profits; fire, theft and cyber threats put businesses at risk.

Having the right insurance program can strengthen your bottom line. Our partnership with over twelve premier insurance companies allows us to tailor insurance coverage and provide options and the professional advice you need to run your business. Whether you are a service provider, manufacturer, wholesaler or property owner, building a policy to fit your specific needs is a vital strategy to retaining profits.

Small Business Insurance

Perhaps small by some measures, all businesses need to see the big insurance picture.

A Business Owners Policy (BOP) is specifically designed to meet the insurance needs of small and mid-sized businesses. By combining your business property and liability protection into a packaged insurance plan, you can save money and reduce or eliminate coverage gaps. These programs are best suited for offices, retail, restaurants and other small businesses.

Commercial Auto

Keep driving your business forward with the right commercial auto coverage.

Whether you own one commercial auto or have a large fleet, Nicholas / Tobin can assist you in understanding the proper limits of liability to protect your business. From light to extra heavy vehicles, autos and dump trucks, we’ll guide you through the proper classifications to get you the best value. With our list of carriers, we can cover whatever wheels you put to work.

Unsure or concerned about your exposure to risk? Our risk management specialists can conduct a review to identify the safety issues that could make you vulnerable to a claim. Addressing those could reduce your premiums. Call us for a business risk review.

Workers Compensation

Even part-time employees have accidents. Be ready with a workers’ compensation policy.

Helping clients control workers compensation premiums is a core Nicholas / Tobin service. Workplace injury claims are often one of the largest expenses incurred by a business. As an independent agent with deep understanding in this area, we partner with insurance carriers that specialize in your industry and help you anticipate areas of risk.

Excess Liability

Close the gaps and protect against lawsuits with an excess liability policy.

Few business owners consider more than property liability coverage for their business, which can leave them short. Your Nicholas / Tobin specialist will identify hidden vulnerabilities across your underlying limits of coverage (in your business, auto liability and workers compensation coverage) and help determine how a commercial excess liability policy can better avoid devastating losses.

Executive Liability

Executive Liability insurance lets leaders focus on rewards over risk.

Public, private and non-profit organizations are finding it increasingly difficult to attract and retain board members and officers as the risk of personal responsibility and confidentiality breaches intensifies. Nicholas / Tobin has E&O, Professional Liability and other solutions to address these business concerns. Let us show you why Nicholas / Tobin is a trusted advisor to professionals across many industries.

Farm & Agri-Business

Protect plentiful harvests with an insurance program that responds and grows with you.

Farming is a vital part of our local economy. Nicholas / Tobin specializes in farming insurance so if you’re raising cattle, horses or making organic produce or wine, we can make sure your farm, produce, livestock are protected. Even if you have a small gentleman’s or specialty farm, there’s a policy that can safeguard your harvest and way of life.

Our Business Insurance Products

    • Liquor Liability
    • Medical Malpractice
    • Product Liability

Nicholas / Tobin Insurance is an independent insurance agency licensed in 24 states.