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.

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.


Our Business Insurance Products

    • Liquor Liability
    • Medical Malpractice
    • Product Liability