Personal Lines
Auto insurance is purchased to provide coverage for private passenger automobiles, vans, SUVs and trucks. There are two main components of auto insurance.
The first component of the auto insurance coverage is liability insurance. Liability coverage pays for bodily injury and property damage to the person(s) in the other car(s). Without liability coverage, a person opens themselves up to lawsuits from the injured parties that can deplete their assets that they own.
The second component is called physical damage. This protects the policyholder from damages to their own vehicle. The first coverage in physical damage is called comprehensive or other than collision. This protects the policyholder’s vehicle from such risks as hail damage, deer/animal hits, fire, theft, vandalism, and glass breakage among others. The second coverage is called collision. This covers the vehicle from upset and colliding with any other vehicle or object. Physical damage coverage is subject to a deductible, which is the amount the insured is responsible to pay before the insurance will pay for any claim.
Contact a representative from Indianhead, Dowd-Reliance, or County Line today for more information on Auto Insurance offered in Northwestern Wisconsin.
The first component of the auto insurance coverage is liability insurance. Liability coverage pays for bodily injury and property damage to the person(s) in the other car(s). Without liability coverage, a person opens themselves up to lawsuits from the injured parties that can deplete their assets that they own.
The second component is called physical damage. This protects the policyholder from damages to their own vehicle. The first coverage in physical damage is called comprehensive or other than collision. This protects the policyholder’s vehicle from such risks as hail damage, deer/animal hits, fire, theft, vandalism, and glass breakage among others. The second coverage is called collision. This covers the vehicle from upset and colliding with any other vehicle or object. Physical damage coverage is subject to a deductible, which is the amount the insured is responsible to pay before the insurance will pay for any claim.
Contact a representative from Indianhead, Dowd-Reliance, or County Line today for more information on Auto Insurance offered in Northwestern Wisconsin.
Renter's insurance is purchased when someone is renting a house, apartment, duplex, town home, or any other dwelling that they are living in and renting. While the landlord's insurance policy generally covers the structure itself, the renter's policy protects the named insured's personal belongings while also adding personal liability insurance similar to the homeowner's policy.
Contact a representative from Indianhead, Dowd-Reliance, or County Line today for more information on Renter's Insurance offered in Northwestern Wisconsin.
Contact a representative from Indianhead, Dowd-Reliance, or County Line today for more information on Renter's Insurance offered in Northwestern Wisconsin.
Recreational Vehicle insurance policies provide the coverage that auto insurance provides except that these policies are for owners of snowmobiles, ATVs, etc. Each policy can include liability protection and protection for damage to your ATV or snowmobile.
Contact a representative from Indianhead, Dowd-Reliance, or County Line today for more information on Recreational Vehicle insurance policies offered in Northwestern Wisconsin.
Contact a representative from Indianhead, Dowd-Reliance, or County Line today for more information on Recreational Vehicle insurance policies offered in Northwestern Wisconsin.
Health insurance is insurance against loss by illness or bodily injury. Coverage will vary from state to state due to “mandates” that are imposed by state laws. It can provide coverage for prescriptions, visits to a doctor or emergency room, hospital stays, and other medical expenses. Policies may vary in coverage, deductibles, co-pays, limits of coverage, and treatment options available to the policyholder.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Personal Health Insurance offered in Northwestern Wisconsin.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Personal Health Insurance offered in Northwestern Wisconsin.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Personal Bonds offered in Northwestern Wisconsin.
Homeowners’ insurance is a package policy. One part of the package includes protection for damage to your home, other structures on the property, and personal property. Personal property is all of the belongings in the home. In order for the insurance to pay for a loss/claim, a deductible that the homeowner pays must be met first.
The other part of the package is personal liability protection. Liability provides coverage for the insured and his/her immediate family for personal activities both on and away from premises that result in injury or property damage to another person (2007, Tadlock, CIC: Personal Residential Coverages). There is no deductible that the homeowner has to pay for liability losses/claims.
Contact a representative from Indianhead, Dowd-Reliance, or County Line today for more information on Homeowners’ insurance offered in Northwestern Wisconsin.
The other part of the package is personal liability protection. Liability provides coverage for the insured and his/her immediate family for personal activities both on and away from premises that result in injury or property damage to another person (2007, Tadlock, CIC: Personal Residential Coverages). There is no deductible that the homeowner has to pay for liability losses/claims.
Contact a representative from Indianhead, Dowd-Reliance, or County Line today for more information on Homeowners’ insurance offered in Northwestern Wisconsin.
Motorcycle Insurance policies are similar to auto insurance policies, in that each policy can include liability protection and protection for damage. However, an auto policy will not provide coverage for your motorcycle - a separate policy needs to be purchased. A lay-up period of six months is usually built into the cost of the policy, and assumes the bike will not be used within a six-month period - generally October-March.
You may also purchase additional coverage endorsements on your motorcycle policy, such as guest passenger liability or custom equipment or accessory coverage.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Motorcycle Insurance offered in Northwestern Wisconsin.
You may also purchase additional coverage endorsements on your motorcycle policy, such as guest passenger liability or custom equipment or accessory coverage.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Motorcycle Insurance offered in Northwestern Wisconsin.
Life insurance is used to provide protection for an insured's beneficiaries. It provides a monetary death benefit, which is paid to the beneficiaries that the insured designates in the policy. This money can be used to fill many needs for the beneficiaries including last expenses, lost income, education funds, or paying off a mortgage, among others (2005, Schultz, Prelicensing Education Textbook: Life Insurance).
Life insurance can be bought in different forms including term, whole life, variable whole life and variable universal life.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Life Insurance policies offered in Northwestern Wisconsin.
Life insurance can be bought in different forms including term, whole life, variable whole life and variable universal life.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Life Insurance policies offered in Northwestern Wisconsin.
Disability insurance is used to help you replace lost income in instances when you are not able to work due to illness or accident. This insurance may be either an individual or a group policy, and its function is to replace your income up to a certain percentage, usually 60% in a group policy, but possibly up to 80% in an individual policy. This insurance is available as a short-term policy, or as a long-term policy.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Disability Insurance offered in Northwestern Wisconsin.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Disability Insurance offered in Northwestern Wisconsin.
Farmowners' insurance policies are quite a bit different than homeowners' policies. Farm policies vary in their form, but generally a farm insurance policy includes coverage for the home, other structures (not for farm use), and personal property (not for farm use).
Other structures and personal property that are used for farm purposes are insured under a separate limit of the policy (2007, Kennedy, CIC: Special Coverage - Farm & Ranch). Every farm policy also includes some form of liability coverage.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Farmowners' Insurance offered in Northwestern Wisconsin.
Other structures and personal property that are used for farm purposes are insured under a separate limit of the policy (2007, Kennedy, CIC: Special Coverage - Farm & Ranch). Every farm policy also includes some form of liability coverage.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Farmowners' Insurance offered in Northwestern Wisconsin.
Crop insurance insures farmers against loss to their crops due to natural disasters, such as hail, drought, and floods. There are two types of crop insurance:
Crop-Hail insurance covers only hail losses, and pays a set dollar amount per acre if there is a loss.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Crop Insurance offered in Northwestern Wisconsin.
- Multi-peril crop insurance
- Crop-Hail insurance
Crop-Hail insurance covers only hail losses, and pays a set dollar amount per acre if there is a loss.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Crop Insurance offered in Northwestern Wisconsin.
Commercial Lines
Commercial property insurance helps businesses pay to repair or replace buildings, associated structures, and contents that are damaged or lost due to fire, storms, theft, and other events outlined in the policy. This coverage can be purchased on either a 'replacement cost' or 'actual cash value' basis, or a combination of both. 'Replacement cost' coverage will pay to replace your property with new property of like kind and quality, up to the policy's dollar limit. An 'actual cash value' policy will pay the replacement value of the property minus depreciation due to age and normal wear and tear.
There are also many endorsements you may add to your commercial property insurance policy, such as business income coverage, which pays for actual or projected loss of income if a claim covered under the policy prevents normal business operations. Extra expense coverage, which pays any additional costs to expedite resumption of your operations after a covered loss, may also be purchased and endorsed on to your Commercial Property policy. There are also many coverages which may be added to your policy to expand your coverage in the event of a loss.
Contact a representative from Indianhead, Dowd-Reliance, or County Line today for more information on Commercial property insurance offered in Northwestern Wisconsin.
There are also many endorsements you may add to your commercial property insurance policy, such as business income coverage, which pays for actual or projected loss of income if a claim covered under the policy prevents normal business operations. Extra expense coverage, which pays any additional costs to expedite resumption of your operations after a covered loss, may also be purchased and endorsed on to your Commercial Property policy. There are also many coverages which may be added to your policy to expand your coverage in the event of a loss.
Contact a representative from Indianhead, Dowd-Reliance, or County Line today for more information on Commercial property insurance offered in Northwestern Wisconsin.
Workers’ Compensation coverage is a mandatory type of business insurance that provides employees who are injured or become ill while on the job with medical coverage and income replacement. This insurance also protects companies from being sued by employees for the workplace conditions that caused the injury or illness.
Per the State of Wisconsin, any employers who meet the following conditions must have Workers Compensation insurance:
Contact a representative from Indianhead, Dowd-Reliance, or County Line today for more information on Workers’ Compensation coverage offered in Northwestern Wisconsin.
Per the State of Wisconsin, any employers who meet the following conditions must have Workers Compensation insurance:
- Business usually employs three or more full-time or part-time employees – must purchase Work Comp insurance immediately.
- Business usually employs one or more full-time or part-time employees to whom they paid combined gross wages of $500 or more in any calendar quarter for work done at one or more locations in Wisconsin. Employer must purchase work comp insurance by the 10th day of the first month of the next calendar quarter. (Example: wages of $600 paid during calendar quarter of April-June, must have insurance in place by July 10.)
- Farmers who employ 6 or more workers on the same day for any 20 days during the calendar year. They must purchase insurance by the 10th day following the 20th day of employment. A calendar year is January through December. (Example: farmer employs 6 workers to assist him on several different dates throughout the year. The 20th day of having 6 workers falls on July 10, farmer must purchase Work Comp insurance by July 20th.)
- Out-of-state employers must have Workers’ Compensation insurance for Wisconsin if they have employees working in Wisconsin. The policy must be with an insurance company licensed to write in Wisconsin and endorsed to name Wisconsin as a covered state in Section 3a of your policy.
Contact a representative from Indianhead, Dowd-Reliance, or County Line today for more information on Workers’ Compensation coverage offered in Northwestern Wisconsin.
Equipment breakdown coverage insures your business against certain types of losses not covered under your property policy. This policy can include coverage for mechanical breakdown, electrial arcing, artifically generated electrical currents, centrifugal force, boiler overheating, cracking, bulging, or sagging, or bulging, craking or collapse of pressure vessels.
Keep in mind that mechanical breakdown coverage encompasses much more than just boilers and pressure vessels. It also can include refrigeration equipment, air conditioning equipment, various types of piping, turbines, engines, pumps, compressors, blowers, gearing, shafting, electric motors, generators, transformers and assorted other types of mechanical and electrical equipment.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Systems Breakdown Insurance offered to businesses in Northwestern Wisconsin.
Keep in mind that mechanical breakdown coverage encompasses much more than just boilers and pressure vessels. It also can include refrigeration equipment, air conditioning equipment, various types of piping, turbines, engines, pumps, compressors, blowers, gearing, shafting, electric motors, generators, transformers and assorted other types of mechanical and electrical equipment.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Systems Breakdown Insurance offered to businesses in Northwestern Wisconsin.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Professional Liability Insurance offered in Northwestern Wisconsin.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Directors & Officers Insurance offered in Northwestern Wisconsin.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Group Health Insurance offered in Northwestern Wisconsin.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Garage (Auto Dealers) Liability Insurance offered in Northwestern Wisconsin.
General Liability insurance provides coverage for an insured when their negligent acts or omissions result in bodily injury or property damage, whether on the insured’s business premises, when someone is injured as the result of using a product manufactured or distributed by the insured’s business, or if someone is injured in the general operation of the insured’s business. However, this coverage does not apply to property in the care, custody, or control of the insured – a separate coverage for voluntary property damage would need to be purchased to cover this risk.
Example 1 - Insured is a plumber, working on repairing a sink in their customer’s home. A wrench falls out of his pocket, damaging the ceramic tile floor in their customer’s bathroom. The General Liability insurance policy would pay to repair their customer’s floor, as the policy covers property damage resulting from the insured’s acts.
Example 2 - Insured is a plumber, working on repairing a sink in their customer’s home. A wrench falls out of his pocket, chipping the customer’s porcelain sink, before falling to the ground and damaging their ceramic tile floor. The insurance company would pay for damages to the flooring, but not to the sink, as the sink is considered in the insured’s care, custody, or control, as he was hired to work on the sink. If the insured had voluntary property damage coverage, the insurance company would also pay for damages caused to the sink under this coverage.
General Liability coverage also provides legal defense in the event a suit is brought against the insured for a claim that is covered under their General Liability insurance policy. The insurance carrier will provide legal defense for their insured, but may at their discretion investigate any occurrence and settle any claim or suit that may result.
Contact a representative from Indianhead, Dowd-Reliance, or County Line today for more information on General Liability insurance offered in Northwestern Wisconsin.
Example 1 - Insured is a plumber, working on repairing a sink in their customer’s home. A wrench falls out of his pocket, damaging the ceramic tile floor in their customer’s bathroom. The General Liability insurance policy would pay to repair their customer’s floor, as the policy covers property damage resulting from the insured’s acts.
Example 2 - Insured is a plumber, working on repairing a sink in their customer’s home. A wrench falls out of his pocket, chipping the customer’s porcelain sink, before falling to the ground and damaging their ceramic tile floor. The insurance company would pay for damages to the flooring, but not to the sink, as the sink is considered in the insured’s care, custody, or control, as he was hired to work on the sink. If the insured had voluntary property damage coverage, the insurance company would also pay for damages caused to the sink under this coverage.
General Liability coverage also provides legal defense in the event a suit is brought against the insured for a claim that is covered under their General Liability insurance policy. The insurance carrier will provide legal defense for their insured, but may at their discretion investigate any occurrence and settle any claim or suit that may result.
Contact a representative from Indianhead, Dowd-Reliance, or County Line today for more information on General Liability insurance offered in Northwestern Wisconsin.
A commercial umbrella policy provides excess liability coverage above and beyond the liability limits provided in the insured's General Liability, Business Auto, and Employer's Liability insurance.
For example, Wisconsin has a wrongful death statute that may result in the payment of $350,000 being paid to the deceased's survivors if the deceased is an adult, or $500,000 if the deceased is a child. If a person or company is involved in an auto accident with fatalitites, their insurance limits could be quickly exhausted, and they would then be personally responsible for any remaining amount that results from the accident. If, however, the insured had an umbrella, once their auto limits were exhausted, the umbrella policy would begin to pay out the remaining amount due on the claim, up to the limits of their policy.
Umbrella limits typically provide $1 million, $2 million, or $5 million of coverage. This limit comes into play when a covered liability loss exceeds the underlying liability limits.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Commercial Umbrella Liability Insurance offered in Northwestern Wisconsin.
For example, Wisconsin has a wrongful death statute that may result in the payment of $350,000 being paid to the deceased's survivors if the deceased is an adult, or $500,000 if the deceased is a child. If a person or company is involved in an auto accident with fatalitites, their insurance limits could be quickly exhausted, and they would then be personally responsible for any remaining amount that results from the accident. If, however, the insured had an umbrella, once their auto limits were exhausted, the umbrella policy would begin to pay out the remaining amount due on the claim, up to the limits of their policy.
Umbrella limits typically provide $1 million, $2 million, or $5 million of coverage. This limit comes into play when a covered liability loss exceeds the underlying liability limits.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Commercial Umbrella Liability Insurance offered in Northwestern Wisconsin.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Business Auto Insurance offered in Northwestern Wisconsin.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Employment Practices Liability insurance offered in Northwestern Wisconsin.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Commercial Bonds offered in Northwestern Wisconsin.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Group Life & Disability Insurance offered in Northwestern Wisconsin.
Inland Marine insurance coverage is used to protect high risk, mobile items that are generally not covered by your normal commercial property policies. For a business, Inland Marine coverage can protect your tools and equipment, for contractors or mechanics, or artwork, if you operate a gallery, or a jeweler's inventory.
This coverage is designed to cover movable property wherever it is located, whereas standard property insurance normally covers items within 100 feet of a specific physical address.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Inland Marine Coverage offered in Northwestern Wisconsin.
This coverage is designed to cover movable property wherever it is located, whereas standard property insurance normally covers items within 100 feet of a specific physical address.
Contact an insurance agent from Indianhead, Dowd-Reliance, or County Line today for more information on Inland Marine Coverage offered in Northwestern Wisconsin.
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