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.
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.
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.
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.
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.
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.
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.
You can save money AND get better service by using a local insurance agent rather than a representative from a national company who doesn't know the area where you live or your special circumstances! For example, there are risks associated with living in certain areas. In New England, flooding is one of those risks. Your local insurance agent is much more likely to recommend basement water coverage for those living in a potential flood zone.
Want to learn more about the benefits of working with a local insurance agent? Check out this article ->
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Benefits of Using Local CT Insurance Agent - Nicholas/Tobin Insurance
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Our customers deserve a personal experience and the expertise of a local Connecticut insurance agent is invaluable. Nicholas/Tobin Insurance will discuss the best options to protect your home, family,...
Thinking about buying a new car? Call your insurance professional at Nicholas / Tobin Insurance to find out what it will cost to insure first. Cars that are expensive to fix typically have higher insurance costs, as do cars that are frequently targeted by thieves.
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