At Tomins, we know that managing a small business or being a small-business owner takes passion. A wrong move could mean disaster. You need services and products you can trust — and that make solid financial sense. Powered by Higginbotham, we deliver trusted coverage for any small-business manager or owner, from standard workers’ compensation to the most specialized commercial risk.
The right quotes and policies, the right details and people. Tomins — the right insurance agency choice today.
Below are the more common forms of coverage our small-business customers purchase to reduce their business risk.
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Every small business should at the very least carry a business owners policy, or BOP. Like a homeowners policy, a BOP protects your business’s buildings, assets, and property.
Learn About Business Owners Policies
A commercial package policy, or CPP, combines coverage for multiple risks, so you can get protection more affordably than buying separate policies for each risk.
Learn More About Commercial Package Policies
General liability insurance is one of the most common for small businesses, to protect you against loss from a wide range of common liability risks.
Learn About General Liability Policies
Commercial property insurance helps cover your business’s office, property, and assets against loss or damages, and other work trucks or equipment they transport.
Learn More About Commercial Property Policies
If you have employees, you should consider carrying workers’ compensation insurance to protect against costs related to workplace injuries.
Learn More About Workers’ Compensation Policies
Commercial auto insurance (or commercial vehicle insurance) provides physical damage and liability coverages for a variety of vehicles used in your business.
Learn More About Commercial Auto Policies
If you want — or need — additional insurance coverage beyond your other business insurance policy, you want umbrella insurance.
Learn More About Commercial Umbrella Insurance