What Business Owners Should Know About Commercial Insurance

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Owning your own business brings with it a great sense of accomplishment but also responsibility. You have made a great investment of both time and money. You want to protect these investments. The best way to do this will be to have the proper types of insurance in place. AIA Insurance of Wisconsin, serving Green Bay, WI, can help business owners like yourself better understand the types of insurance products you need. Commercial insurance is one of the best ways to bundle together all of the different types of coverage you will need. Keep reading to learn more. 

Understanding Commercial Insurance 

Commercial insurance is actually a suite of insurance products we can provide for business owners. Commercial insurance will provide the different types of insurance products you will need to protect your business on many different levels. Your insurance policy can be customized to suit your company’s needs, but following you will find the types of main coverage provided.

  • Liability- Business owners are in a very sensitive position when it comes to liability. If a customer or employee is injured on your property or as a result of your goods and services, you could be held liable for any expenses resulting from that event. Expenses of this nature could be damaging to your company financially. Liability insurance will pay for these types of expenses. 
  • Property- Property damage coverage is essential to protect any type of property or equipment you own as part of your company. If your property or equipment is damaged or lost, this type of coverage will pay for repairs and replacement. 

If you would like to learn more about our services, please contact us at AIA Insurance of Wisconsin, serving Green Bay, WI. We will be happy to answer your questions. 

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Which Home Insurance Coverages Should Parents Focus On?

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As a parent, your children influence most of your decisions. You need to go the extra mile to make sure they’re safe and living in a great environment. That means buying insurance that focuses on their safety, such as home insurance. At AIA Insurance of Wisconsin, we advise parents to get the most comprehensive home insurance they can find. 

You can never really predict what may go wrong when your kids are at home, school, or any other place in Green Bay, WI. The good news is that home insurance comes with many primary coverages that help keep your children out of trouble or danger. You can also go for optional coverages, which vary from one insurance company to another. Let’s look at some of them.

Property Damage Liability

This coverage pays for damages that your children might cause on other people, such as breaking their windows while playing. The coverage also pays legal fees if you are sued for these damages.

Bodily Injury Liability

This liability coverage pays medical bills or legal fees if another person gets injured on your property and sues you for the injuries. It doesn’t matter whether they got injured in an accident or your children caused the injuries. 

Additional Living Expenses

Additional living expenses provide your family with a temporary living arrangement in case your home becomes inhabitable due to perils like fire. 

Personal Property Coverage

This coverage helps compensate for damaged or stolen items. It’s broader and more versatile as it can pay for your child’s laptop and other belongings when they are stolen or damaged accidentally in school and other areas.

Home insurance is a must-have for every parent in Green Bay, WI. If it’s your first time buying the policy, AIA Insurance of Wisconsin can help you through the process. Feel free to contact us for more information, queries, or new policy discussions.

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