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Business Insurance & Nonprofit Coverage

Along with outstanding rates on business insurance, Bluebonnet Insurance also offers cyber security and a range of other solutions. Whether it's a food cart, a real estate company, a regional retailer, or other business in San Antonio or a nearby community, the risks can be costly. There are fires, lawsuits, injuries, and a host of other issues that require protection. At Bluebonnet Insurance, we have the comprehensive insurance you need with the custom tailoring you want.

Why Bluebonnet Insurance?

We've been insuring local businesses for more than five decades, and have worked with a number of A-rated carriers. Knowing and understanding your needs is our job, and we use this information to ensure you are covered when it matters most.

Business insurance generally protects against damage to property and against liabilities, but there are plenty of additional measures to protect against. This includes automobile collisions, employee injuries, errors made by board members, and errors in the treatment of employees, just to name a few. Let us find the best coverage areas for you.

Business Professional

Commercial Property


Most owners of small and medium-sized businesses purchase business owner policies (BOPs) when they purchase commercial insurance. BOPs provide a wide variety of coverages while remaining cost-efficient. However, other companies purchase standalone policies when their particular business needs coverages that BOPs do not provide. Some of these other coverages include, but are not limited to:

• Crime Insurance
• Professional Liability
• Workers Compensation
• Inland Marine Insurance
• Commercial Auto Insurance
• Commercial General Liability
• Commercial Property Insurance
• Commercial Umbrella Insurance

Protection against Cyber Crime

Cyber security insurance protects you and your company against data breaches, hacking, employee error, and other digital compromises. Such compromises often result in lost, misplaced, misused, or improperly distributed data that can prove to be disastrous.

At Bluebonnet Insurance Center, we have a comprehensive cyber security insurance program through which we offer a full suite of integrated solutions. This is the perfect way to minimize gaps in coverage and tailor policies and/or packages to fit your needs.

Our program is broad, flexible, and designed to meet the needs of all kinds of businesses. In a world where technology evolves with commercial enterprises, you need cyber insurance that evolves along with it. At Bluebonnet Insurance, we don't just keep up; we lead the charge. Coverage options include:

• Legal Liability
• Online Defamation & Copyright Trademark Infringement
• Threats to Disclose Data or Attack a System to Extort Money
• Third-Party (Cyber Liability) Loss Due to Security or Data Breach
• Direct First-Party (Cyber-Crime) Costs Resulting from a Breach
• Lost Income & Operating Expenses Resulting from a Security or Data Breach

Cyber Protection

Insurance for Nonprofits

Nonprofits perform functions that are often similar to those of a for-profit organization. Performing these functions exposes nonprofits to significant and diverse risks, including claims of libel and slander, privacy violations, inventory theft, visitor injuries, and structural damages. Your nonprofit needs specialized and comprehensive protection; Bluebonnet Insurance has just that.

We write custom-tailor policies through our nonprofit program in order to meet the needs of every client and organization. As an independent agency, we work with many different insurance carriers to offer the best selection of coverage options. These options allow you to get the most value from your insurance investment with coverage options that include:

• Crime
• Business Auto
• Flat Rate D&O
• Business Property
• Business Liability
• Umbrella Liability
• Employee Dishonesty
• Equipment Breakdown
• Non-Owned/Hired Auto
• Improper Sexual Conduct
• Directors & Officers (D&O)
• Auto Physical Damage (NIAC)
• Employee Benefits Liability
• Boiler and Machinery Coverage
• Participant/Volunteer Accident
• Counseling Professional Liability

One thing that we remember whenever we write a nonprofit insurance policy is that nonprofits need stable pricing. This is why we help you identify discounts and benefits that help you save. We also ensure that your rates reflect the capabilities of your organization. This way, you pay only what you must for the best possible protection. We've helped find affordable coverage for nonprofits, such as:

• Counseling Centers
• Historical Societies
• Special Needs Schools
• Educational Societies
• Mental Health Facilities
• Community Health Clinics
• Professional Organizations
• Parent-Teacher Associations
• Art & Cultural Organizations
• Environmental Conservation Organizations
• Foundations & Fund-Raising Organizations
• Shelters for the Homeless, Elderly, Families, Battered Women, & Teens