Business Insurance

Refreshing approach. Optimal results.

Similar to pillars that provide essential support for a building or structure to stand tall and strong, the skipping stones stacked in our logo represent the pillars that contribute to our organization’s strengths and beliefs.

Our Commitment

Since the year 2012, BlueStone has been committed to protecting our clients’ businesses. Our core belief is that our clients achieve greater value by maintaining a close partnership with their advisors—trusting us to develop and execute strategies that maximize your investments and, ultimately, are visible in your bottom line.

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Extension of Your Team

We do more than “talk the talk”. We listen, learn, and then act in your best interests. We invest time to understand your business’s unique challenges and objectives, allowing us to provide proactive risk management and insurance solutions that align with your strategic goals. Our collaborative approach ensures that your success is our success. 

Our commitment to cost savings goes beyond securing competitive premiums. We analyze your entire risk profile to identify opportunities for reducing the total cost of risk. Through strategic policy structuring, risk mitigation strategies, and leveraging our industry relationships, we aim to enhance your financial performance and provide measurable value.

We maintain strong partnerships with a diverse range of A-rated carriers, ensuring access to high-quality insurance products. These relationships enable us to offer tailored coverage options that meet your specific needs, providing both reliability and flexibility in your insurance program.

Recognizing that no two businesses are alike, we specialize in crafting insurance policies that reflect your organization’s unique risks and growth trajectory. Our customized solutions are designed to adapt alongside your business, ensuring continuous protection as your operations evolve.

We prioritize making the insurance process as seamless as possible. Our user-friendly online portals allow for easy policy management, payments, and applications, saving you time and reducing administrative burdens. This efficiency enables you to focus more on your core business activities.

Our team brings deep industry knowledge and stays on top of emerging trends and regulatory changes. We provide you with timely insights and guidance, empowering you to make informed decisions about your insurance needs and risk management strategies.

Transparency is a cornerstone of our client relationships. Information about where your premium dollars are going is always available to you.  No hidden fees – just transparency. We provide clear, detailed information about your insurance coverage, costs, and any associated fees. Our goal is to ensure you have complete visibility into your insurance program, fostering trust and confidence in our partnership.

Effective communication is key to our service model. You will have direct access to senior-level advisors and a dedicated service team who are responsive and attentive to your needs. We are committed to keeping you informed and supported at every stage of your insurance journey.

Client Resources

As commercial insurance brokers with more than 20+ years of experience, we have focused on delivering tech-forward, financially savvy tools, and resources. BlueStone offers a refreshing approach to risk management that is more than just premium savings – it’s providing innovative solutions and technology that save time and reduce the total cost of risk.

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Claims Management

A dedicated claims consultant helps you navigate every stage of the claims process from reviews and monitoring to issue troubleshooting and resolution.

Gain access to a team of HR and legal professionals who provide practical guidance on hiring, firing, leaves of absence, workplace compliance, and more leaving you empowered to manage workforce complexities with clarity.

Simplify your insurance workflows with our secure online portal. Easily complete, sign, and store insurance applications. No printing, scanning, or paperwork required!

With our CyberASAP process, we help reduce cyber liability premiums while strengthening your coverage and protecting your network. Stay ahead of evolving threats with proactive support tailored to your digital risk.

Promote safer driving habits and reduce risk with our real-time vehicle monitoring system alerting drivers of unsafe behaviors and providing data that enhances your fleet safety program.

Our on-site safety consultants help mitigate risks before they become claims. From facility walkthroughs to custom evaluations, we deliver actionable insights to create a safer, more compliant workplace.

Your Trusted Partner

Our sweet spot is implementing innovative strategies and solutions to protect your business and increase your profits.

If you want the cheapest insurance policy, or to hear from your broker once a year, or if you want uncovered claims, we are not the partner for you. If you want effortless experiences that help you solve your company’s unique risk management challenges, you came to the right place.

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Oval navy shape

Our Process

Our structured yet flexible approach ensures that your business insurance strategy is not only comprehensive but also responsive to your organization’s growth and changes.

With every client engagement, we strive to go above and beyond client expectations, providing high level executive summaries and explanations along the way. As we iterate toward a final solution, we assess and reassess our deliverables. Our goal is to provide appropriate, actionable, and tangible strategies. The results include processes that can reduce the total cost of risk and insurance; protect the enterprise; and simplify the insurance process.

We begin by listening—taking the time to understand your organization’s structure, challenges, and goals. From there, we guide you through your options, educating your team on what’s possible and what’s practical. Open communication is the thread that connects every stage, so you’re never in the dark. We negotiate on your behalf with top-rated carriers to secure the strongest coverage at the best value. Once a solution is in place, we handle implementation seamlessly so your team can stay focused. And we don’t stop there, ongoing evaluation ensures your insurance strategy evolves alongside your business, not behind it.

At BlueStone, our team stands ready to be the best benefits brokerage partner you have ever had. Our culture is characterized by our core values, which are rooted in trust, creativity, and transparency.

Let’s meet – in person or virtually – to talk about your goals and needs, how we can make a difference, and have great success doing so.

Our Products

Business insurance financially protects your company from costly risks such as customer or employee injuries, lawsuits, property theft, and damage, as well as other unexpected events. Insurance is a complex risk management tool: different risks and exposures require different coverages and policies vary widely in coverage across carriers.

Our Trusted Carriers

BlueStone has excelled in building relationships with a variety of benefit providers, gaining a deep understanding of the benefits space along the way.

Business Owners Policy (BOP)

A Business Owners Policy or “BOP” is a type of package policy that combines General Liability and Property Insurance, with other optional coverages available, for small to medium-sized businesses in lower-risk business classes. This policy’s availability depends on factors such as the type of business, annual sales, number of employees and other considerations.

Commercial Property

Also known as ”Business Hazard Insurance”, protects your company’s physical assets. It helps pay for repair or replacement when a business property is lost, damaged, or destroyed. This policy also can cover any associated losses – such as lost income – that are caused because part or all of your business is temporarily down.

General Liability

Provides coverage for you and your business for claims involving bodily injuries, advertising injury, and property damage resulting from your products, services, or operations. Additionally, if you rent or lease, it may cover you if you are held liable for damages to your landlord’s property.

Commercial Auto

Provides coverage for all of the vehicles you own and operate in your business. Commercial vehicles can include private passenger-type vehicles, trucks, trailers, or mobile equipment. It’s important to read this policy for all of the coverages and exclusions.

Workers’ Compensation

When an employee suffers work-related injuries and illnesses – this coverage provides medical expenses, lost wages, and rehabilitation costs. It may also include death benefits to families of employees who lost their lives on the job. This coverage is mandated by almost all states and the wage and medical benefits vary by state.

Commercial Umbrella

Provides an additional layer of liability protection to assist in covering costs that exceed the underlying liability coverage limits. When the underlying limits have been reached, this coverage extends its limits to cover substantial claims. Claims may include libel, repetitional damage, vehicular accidents, product liability, or customer injury.

Professional Liability (E&O)

Also known as Errors & Omissions or E&O, protects you in cases of faulty service (errors) or failure to provide a service altogether (omission). It will pay for defense costs and any damages awarded (up to policy limits). Insurance companies have developed many specialized policy forms that respond to the individual risks of particular professions and services.

Directors & Officers Liability (D&O)

Protects directors and officers while serving on a board of directors and/or as an officer for defense costs and damages related to lawsuits for actual or alleged wrongful acts in managing a company. Lawsuit allegations may include breach of fiduciary duty, misrepresentation, fraud, theft of intellectual property, and misuse of company funds.

Employee Benefits Liability (EBL)

Also known as EBL, protects your business from errors and omissions that arise from administering employee benefit plans. This coverage applies to life insurance, health benefits, retirement plans, disability insurance, and more. Errors and omissions may include failing to enroll, maintain or terminate employees in a plan, and failing to properly communicate benefit plans and eligibility rules to employees.

Employment Practices Liability (EPLI)

Also referred to as EPL or EPLI, provides coverage for defense costs and damages related to various employment-related claims including allegations of Wrongful Termination, Discrimination, Workplace Harassment, and Retaliation. EPLI is becoming more common as employment lawsuits become a part of doing business in this litigious age.

Cyber Liability / Network Security

Also referred to as “Data Breach”, helps cover the financial losses that result from cyber events and incidents. In addition, cyber-risk coverage helps with the costs associated with remediation, including payment for legal assistance, investigators, crisis communicators, and customer credits or refunds.

Commercial Crime

Provides coverage for loss of money, securities, or other assets resulting from acts such as employee theft, certain types of fraud by third parties (forgery, for example), theft of property from the premises, and social engineering (impersonation fraud).

Medical Malpractice Liability

A specialized type of professional liability insurance protecting healthcare professionals in the event of a lawsuit or claim in relation to negligence – that resulted in a patient’s injury or death. The negligence might arise from errors in diagnosis, treatment, aftercare, or health management. Medical liability insurance is required in almost all states and most medical systems as a requirement to practice.

Fiduciary Liability

Also known as management liability insurance, is intended to protect businesses and employers against claims resulting from a breach of fiduciary duty. Essentially, the policy protects parties against liability for managing or administering employee benefits plans.

Inland Marine / Ocean Marine

Inland Marine protects your business property, equipment, and inventory while either in transit (by road or rail) or being stored by a third party. At the same time, Ocean Marine protects your cargo, vessels, and other items while they are being transported across the ocean.

Pollution Liability

Also referred to as Environmental Insurance, provides coverage for the costs of claims caused by unexpected pollution exposures. This coverage could assist with claims for bodily injury, property damage, business interruption, crisis management, transportation liability, as well as clean-up costs associated with the toxic materials.

Travel Kidnap & Ransom

Also known as K&R, protects you and your organization while traveling around the world from events such as kidnapping, extortion, assault, and ransom. This coverage pays the expenses incurred as a result of the above as well as the monies demanded by the kidnappers.

ERISA 401(k) Fidelity Bond

If you manage any employee benefit plan, like a 401k, this type of bond is required by the Employee Retirement Income Security Act (ERISA) of 1974. It protects the money in the plan if the managers misuse the funds, by theft, embezzlement, or any other actions of this sort.