Business

A commercial insurance policy that packages property, liability and special endorsements that broaden coverage into one convenient policy is known as a Business Owner's Policy or BOP.

Liability Coverage In Your BOP
Liability Coverage in a BOP is similar to what you may find in a commercial general Liability policy.A BOP may be more limited in its range of coverage than what is available in a stand-alone policy. Premiums for an average small business are very reasonable. You should be sure to explain all areas of your business to make sure every exposure is covered. The insurance company will offer additional coverages as an add-on to the BOP. At times you may need to purchase an additional policy to cover exposures not available on the BOP.

Property Insurance Coverage In Your BOP
Property insurance coverage will be included in the BOP, including buildings, personal property, inventory, etc. Others coverages to consider are business interruption, equipment breakdown, ordinance or law, sewer and water backup, property of others, signs, money, securities and employee dishonesty.

Special BOP Programs
Many insurance companies offer special programs for target markets. Some common business are restaurants, hotels, offices, metalworkers, well drillers and churches. Frequently insurance companies will partner with trade associations to offer members increased benefits and premium considerations.

Commercial auto insurance serves as protection against liability for bodily injury and property damage in connection with your ownership, maintenance, or use of vehicles involved in your business. Many different types of vehicles in addition to trucks can be covered on the commercial auto insurance. Vehicles with attached equipment such as a well driller or bucket trucks can also be included. Your business may also need "non-owned and hired" auto liability coverage for vehicles your employees use or that you rent or borrow.

Business owners with more than five vehicles can be considered a "fleet" and is eligible to receive an insurance rate consideration. Having an active drivers list clean of violations and accidents will also reduce your commercial auto insurance costs.

Utilizing a responsible maintenance program, carrying claims kits in all vehicles and taking part in professional driver training programs have proven to reduce losses for Wisconsin businesses.

We annually review your account to keep it up to date with any changes.

The Insurance Shoppe offers insurance coverage for the small contractor performing general remodeling, the larger contractors including home construction and specialty trade and artisan contractors. Whether you are a small Wisconsin business owner or a multi-million dollar construction firm, we can offer affordable insurance coverage that meets your requirements.

Workers compensation insurance protects an employer from liability for an injury or illness involving an employee while actively at work. It covers medical bills, a portion of lost wages, schooling, and death benefits. The coverage amount is established by state law and benefits don't vary from company to company.

Our emphasis on close attention to detail in insurance policies really pays dividends when you need to make a claim. We follow the claim through every stage and make sure that the claim is paid fully, fairly and promptly. We recognize that buying insurance involves a promise and that it's our job to make sure that promise is kept.

The Insurance Shoppe has many different markets that allow us to offer competitive dividend plans for both large and small businesses in Wisconsin.

Our companies provide loss control services to help our clients minimize their exposure to loss. Our experience in working closely with the insurance market locally is focused on negotiating the best possible terms for our client, with insurers reputable and stable enough to honor their policy commitments.

Wisconsin workers compensation insurance covers all the employees of the business. Special provisions must be made if an employee works out of state. It may cover the business owner if the business is a corporation and the owner is actively involved in the business.

Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.

Workers' Compensation provides for the payment of four types of benefits:

• Medical benefits
• Income benefits
• Death benefits
• Rehabilitation benefits

A representative can provide you with complete details on Workers' Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.