Business Insurance

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.

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.

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.

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.