Business Owners Insurance Wisconsin

Wisconsin Business Owners Package Insurance

Properly insuring your business involves a wide variety
of coverages and can mean purchasing a number of
different policies. Fortunately, most small and even
medium sized Wisconsin business owners can cover
themselves by purchasing a package policy known as
a Business Owner's Policy or BOP. A BOP is known
as a package policy because it combines a variety of
commonly needed coverages into one. It is similar to
your homeowner's policy which combines a
comprehensive liability policy with a variety of property
coverages. Also, like a homeowner's policy, it can be
customized to broaden the coverage in areas you
need.

Liability Coverage In Your BOP

The Liability Coverage in a BOP is very similar to what
you will find in a General Liability policy. Because of its
package "one size fits all" nature, a BOP is more
limited in its coverage than what is available in a
stand-alone policy. Even so, the average Wisconsin
small business should be able to purchase $1 million
to $2 million limits. Not all policies are created equal,
however, so be sure and read the policy and work with
your agent to make sure that any special exposures
your business faces are covered. If not, the insurance
company may offer the additional coverage as an add-
on to the BOP, or you may need to purchase it
separately. One example of a coverage that is typically
not included in a BOP is Professional Liability
Coverage

Property Insurance Coverage In Your BOP

Most of the basic property insurance coverage will be included in the BOP,
including the real property, equipment, inventory, etc. You should also be
able to include Business Interruption Coverage and basic Employee
Dishonesty Coverage in your Business Owners Package. Certain business
risks may need to be purchased separately like Product Liability. In addition,
if your Wisconsin business depends on specialized equipment, like a dry
cleaner, the basic coverage in a BOP may not be sufficient.

Special BOP Programs

If you own a common, main-street type of business like a retail store or a
dry cleaner, there may be a BOP that is designed specifically with your
business in mind. Check with your trade association for insurance
recommendations. Insurance companies frequently target specific types of
business. If your business is one of their targets, you could find a package
designed with your business in mind at a very attractive rate.

Why Buy a BOP

If your Wisconsin company qualifies for a BOP - usually meaning you do
not have more than 100 employees and have gross revenues below $1
million to $2 million - there are advantages. Perhaps most importantly, by
having all of your basic coverages included in the package, there is
much less chance of there being a gap in your coverage. When you
purchase separate policies from separate companies, it is not
uncommon to find duplicate coverage in some areas and gaps in
coverage elsewhere. A BOP is a great place to start and can be the
foundation of your insurance plan. It will probably not provide you with
100% of what you need, however.

Click on the link below to fill out a quote request form for a Wisconsin
Business Owners Package insurance plan, that regardless of whether
you're a large employer or a small business, will provide exceptional long
term disability insurance coverage for your businesses most important
asset...your employees. Or you can speak with one of our Wisconsin
Business Owners Insurance specialists at (920) 982-3048 to discuss the
policy features in more detail.

Click here to fill out an Owners Insurance

quote request form for your Wisconsin business

We are your local Waupaca and Outagamie County insurance agency,
offering comprehensive Wisconsin business owners insurance coverage
plans to businesses in the following cities and counties: New London,
Appleton, Waupaca, Northport, Weyauwega, Shiocton, Manawa, Bear
Creek, Hortonville, Fremont, Medina, Mackville, Greenville, Larsen,
Winchester, Zittau, Neenah, Menasha, Kimberly, Holland, Kaukauna,
Wrightstown, Little Chute, Freedom, Black Creek, Oneida, Howard,
Allouez, Ashwaubenon, De Pere, Bellevue, Anston, Flintville, Pulaski,
Suamico, Sobieski, Angelica, Zachow, Sampson, Shawano, Bonduel,
Krakow, Seymour, Nichols, Navarino, Belle Plaine, Embarrass, Pella,
Caroline, Leopolis, Marion, Clintonville, Split Rock, Thornton, Tigerton, Big
Falls, Symco, Royalton, Ogdensburg, King, Scandinavia, Iola, Amherst,
Tustin, West Bloomfield, Pine River, Berlin, Plover, Stevens Point,
Winnebago, Oshkosh, Winneconne, Borth, Omro, Sheboygan, Manitowoc,
Fond du Lac, Wausau, Shawano County, Winnebago County, Calumet
County, and Waushara County, WI.

**The information, pictures, and other content in this website about particular
insurance services is only provided for informational purposes. Any decisions
regarding your insurance needs should be discussed with a licensed
insurance agent.

Wisconsin Business Owners Insurance Information

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Radtke-Rhone

Insurance Agency, Inc.

P.O. Box 210

315 Burton Rd

New London, WI 54961