top of page
Businessowners insurance Logo.png

Business  Insurance

What is a Business Insurance Policy for?

Business insurance helps protect businesses against risks unique to their specific situation. It can help pay the cost of property damage, lawsuits, lost of business income and other covered losses.


Businesses often buy more than one coverage and combine it in one single policy called "Business Owner's Policy" or "BOP".

This unique type of policies combine property coverage, general liability, business income and other optional endorsements in one single cost effective policy.

At BLS Nielsen we specialize in flexible insurance solutions for small and midsize businesses, let us design your policy to perfectly fit your business needs and budget. 

Schedule a call

Call scheduled

Business Insurance Schedule

What Business Insurance policy does my business need?

Depending on the nature of your business and any insurance that you are legally obligated to carry, the following types of business insurance should be considered essential: 


  • General Liability Insurance: Coverage against accidents, Injuries and negligence claims. (e.g. Landscapers, Painters, Electricians, Plumbers ) 

  • Product Liability Insurance:  Covers against faulty products and damage, illness, injury or death that may occur from using a faulty product. (e.g. Manufacturer, Distributor or Sellers) 

  • Professional Liability Insurance: also known as Errors & Omissions "E&O". Covers professionals against loss due to negligent professional duty, wrongful acts, and advice and services that lead to another person’s loss or injury. (e.g. Lawyers, Medical offices, Accountants, Insurance Agents, Real state Agents)

  • Commercial property insurance: Covers loss and damage to your commercial business property due to fires, storms and other causes. (e.g. Store Fronts, Warehouse, Self-Storage, any commercial building rent or owned)

  • Commercial vehicle insurance: Covers commercial vehicles and drivers for collision, liability, property damage, personal injury and comprehensive coverage.

  • Workers' compensation: Covers your employees if they get ill or are injured while working on the job. If your business has employees, you are legally obligated to carry workers’ compensation insurance. (Required by the State of New York)

  • Disability insurance: Partial wage replacement insurance coverage for eligible employees for non-work related injury or illness. (Required by the State of New York)

  • Employment practices liability: (EPL) Covers your business if an employee sues you. Even if you are not at fault. Employees may make a claim against your business for reasons such as discrimination, harassment or wrongful termination. If they do, "EPL" can help cover the related costs.

  • Commercial Umbrella insurance: Acts as a safety net that provides additional coverage when other liability policies reach their limits. Businesses find this coverage is essential for helping protect against financially devastating lawsuits and claims. We can add up to $25,000,000 in coverage.

  • Cybercrime insurance: Provides protection for risks due to Internet use and online communications.

  • Environmental Insurance: Also know as Pollution insurance; Covers your business for loss or damages resulting from unexpected releases of pollutants. The losses or damages covered usually arise in the form of claims against insureds for bodily injury, property damage, cleanup costs, and business interruption.

  • Loss of income: Covers your business expenses, such as rent and employee wages, if you can’t operate your business.

  • Specialty coverage: Insurance that covers various specific business risks, such as those of landlords, farmers, and commercial operations that put on one-day events, such as seminars or concerts.

What is a Business Owner's Policy (BOP)?

A Business Owner's Policy (BOP) combines property and business liability insurance into one affordable policy covering your business from claims resulting from fire, theft and other disasters as well as claims that could arise from your business's daily activities, these include bodily injury, property damage, personal and advertising injury.

Business owners should consider a "BOP" even if the business is run out of your home, a rented or owned office, store or garage.

How can a Business Owner's Policy (BOP) protect my business?

  • Any chance of a Lawsuit: If a customer slips and falls at your store, this can help pay their medical expenses and your legal costs.

  • Employees: Workers can accidentally injure customers or cause property damage. With this policy, you'll have protection for them and your business.

  • Private customer data: If someone steals or loses personally identifiable information, this can help pay expenses like notifying impacted clients and public relations.

  • A physical location: Your BOP policy can help cover businesses run out of your home, a rented or owned office, store or garage.

  • Stolen or damaged assets: Digital property, equipment, furniture, cash and inventory are all difficult to replace without the right insurance.

What Business Insurance policies does BLS Nielsen offer?

With over 30 different commercial carriers there is not a single class and type of business we can't cover; Schedule an appointment and let us build you the perfect policy for your business.

Commercial insurance needs to be tailored to each business based on risks, it is critical to work with an agent, who will get to know your company and ensure that your coverage adequately protects your business investment.

bottom of page