Business Owners Policy
Property, liability & business interruption in one cost-effective package, with customized coverage that grows with your business.
Business Insurance · North Tonawanda, NY
Protect Your Business with Coverage That Works for You
As independent agents, we work for you, not the insurance companies. We compare options from top-rated carriers to find the right coverage at the right price for your business.
- Business Owners Policies, general liability, commercial property & commercial auto
- Workers' compensation for businesses with employees
- Coverage for paving, concrete, excavation & landscape contractors, restaurants & more
- Over 25 years of experience, with local experts who care
Get a Business Insurance Quote
Tell us a little about your business and we'll be in touch.
Request My Quote
Prefer to talk? Call (716) 200-1058
Experienced
helping businesses protect what matters most since 1996
Tailored
custom coverage for businesses of all sizes
Independent
unbiased advice & options from top-rated carriers
Local
based in North Tonawanda, serving businesses across the area
Commercial coverage
Core protection for small & mid-sized businesses
Whether you need property protection, liability coverage or workers' compensation, we build a policy around how your business actually runs.
General Liability
Protection from customer injuries, property damage & legal costs. Often required by landlords, vendors & clients before you sign.
Commercial Property
Covers buildings, equipment & inventory against fire, storms, theft & vandalism, whether you own or lease your space.
Workers' Compensation
Medical expenses, lost wages & rehab for employees hurt on the job, while protecting your business from lawsuits & penalties.
Commercial Auto
Covers company vehicles & employees on the road, with protection from accidents, liability claims & vehicle damage.
Contractor insurance
Coverage built for paving, concrete, excavation & landscape contractors
Liability, equipment, vehicles and crews: we put together the coverage your jobs and contracts require.
Paving contractors
Liability and equipment coverage for driveway, parking lot and road paving crews.
Concrete contractors
Protection for flatwork, foundation and decorative concrete jobs.
Excavation contractors
Coverage for heavy equipment, site work and the risks that come with digging.
Landscape contractors
Liability, equipment and vehicle coverage for landscaping and lawn care businesses.
- Contractor liability & job-site protection
- Certificates of insurance for contracts
- Commercial auto for trucks & work vehicles
- Workers' comp for your crews
How it works
Insurance made simple & stress-free
STEP 01
Tell us about your business
Share what you do, where you operate and what coverage you have today. We take the time to listen.
STEP 02
We compare your options
As independent agents, we shop top-rated carriers and explain the differences in plain language.
STEP 03
Coverage that grows with you
Pick the policy that fits, and count on us for guidance at renewal and as your business changes.
FAQ
Common questions from business owners
What does a Business Owners Policy cover?
A BOP includes property insurance, general liability and business interruption coverage. It protects against fire, theft, customer injuries and lost revenue from covered events, and can be customized with options like cyber liability.
Does general liability cover my employees?
No. General liability covers third-party injuries and property damage. Employee injuries are covered by workers' compensation, which most businesses with employees are required to carry.
How is workers' comp priced?
Pricing is based on payroll size, industry risk level and claim history. We review your classification codes to make sure your rate is accurate and competitive.
Why work with an independent agent?
Unlike large, impersonal insurance providers, we work for you, not the insurance companies. That means flexibility, competitive pricing and unbiased advice across multiple carriers.
Meet your agent
Work directly with Chris Peters
Chris began his insurance career in 1996. As an independent broker, he offers personalized service and expanded coverage options, so you get choices instead of a one-size-fits-all policy.
His expertise spans business liability, commercial property and workers' compensation. Chris works directly with clients to find the right coverage at the right price, with honesty, professionalism and no hassle.
Protect your business, elevate your success
Every business is unique. Get coverage built around yours, with expert advice from a local, independent agency.
