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BUSINESS INSURANCE

INSURANCE COVERAGE DEFINITIONS

Choosing the right business or commercial insurance plan for your business can be very confusing, so we have developed many different options
and programs to meet the needs of our commercial insurance clients in Wisconsin.

Whether you are a restaurant, retailer, wholesaler, contractor, or electrician, we can tailor a package to meet your specific needs and
requirements.

GENERAL LIABILITY : Business Owners Policy (or) Commercial Property Policy
Each Occurence
Occurrence policies cover claims arising from injury or damage occurring while the policy is in force, regardless of when the claim is first made.

Damage to Rented Premises
One of the limits of liability prescribed by the standard commercial general liability (CGL) policy; it applies to damage by fire to premises rented
to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. The basic limit is
$100,000.

Advertising Injury
This coverage affords protection against claims such libel, slander, defamation of character or invasion of privacy (personal Injury) and claims
alleging written or publicized offenses

Products & Completed Operations
The limit of this coverage is the amount the insurance Company is obligated to pay on your behalf based on policy coverage. This coverage
extends protection to you during manufacturing or contracting operations. An example would be if you installed something incorrectly and
caused damage.

General Aggregate
This is the limit the insurance company will pay on your behalf for any number of claims during the policy period. The most they will pay on one
loss cannot exceed the Occurrence Limit.

KEY ENDORSEMENTS
ERRORS & OMISSIONS
As professionals operate in today’s increasingly litigious environment, you could easily be subject to allegations by unhappy clients who may
feel they’ve been harmed by their actions or inactions.

PROPERTY IN TRANSIT
Coverage on the insured's property while in transit over land from one location to another

UMBRELLA
Umbrella liability insurance is excess liability insurance coverage above the limits of automobile liability and CGL policies. The umbrella policy
also provides liability coverage for exposures not covered under the primary CGL insurance policies and not excluded by the umbrella liability
insurance policy.

BUSINESS AUTO
Your business deserves high priority protection, and that’s just what commercial auto Insurance does. It provides coverage for you, your
employees and the vehicles you own, lease, rent or borrow – on the road and off. More importantly, it can help prevent an accident from
damaging your bottom line. Whether you’re operating a single vehicle or a fleet, We can offer you ways to help protect your company, manage
risks and help control your costs

LIABILITY/BODILY INJURY
Liability section of your auto insurance pays for the cost of anything that you are liable for as a result of causing the accident. This could be the
damage to another person's vehicle, fence, or the bodily injury (medical payments) of another individual. KEEP

MEDICAL
Medical payments pay for injury or medical payments incurred in your auto accident. This is not a medical policy, but is very basic coverage for
you and your passenger should any injury incur while in your vehicle.

COMPREHENSIVE COVERAGE
Comprehensive coverage covers anything that is not collision related. Fires, theft, windshield breakage, hitting an animal (such as a deer) are
all examples of items that would be covered under this type of coverage.

COLLISION COVERAGE
Collision coverage on the other hand, gives you coverage if you collide with something, such as another car

WORKERS COMPENSATION
Wisconsin law requires that a subject employer with employees working in Wisconsin must have a worker's compensation insurance policy with
an insurance company licensed to write worker's compensation insurance in Wisconsin. WE'VE GOT YOU COVERED!

Any employer who usually employs three or more persons full- or part-time. This employer needs insurance immediately.

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