Business Insurance
Custom Insurance Plans to Meet Your Business’s Needs
Running a small business is challenging enough without worrying about whether your insurance will protect you when you need it most. Luckily, Wilson Independence Insurance Agency offers custom business insurance solutions in Cottage Grove, WI and the surrounding communities. As a local team, we take the time to meet with our clients, understand their risks, and make personalized recommendations by shopping for the best deals. We can assist you if you want to expand your coverage or save money.
General Liability Insurance
General liability insurance provides coverage for claims, including injury or property damage. If a customer slips and falls or your work damages someone’s property, your insurance provider will pay out a portion of medical expenses, repair costs, and even legal fees. We recommend general liability insurance for nearly any business type, including retail locations, contractors, digital services, and more.
Errors & Omissions Insurance
Mistakes happen. However, will your business face financial ruin due to a mistake, negligence, or failure to deliver on promised services? Error & omissions insurance will help protect you against claims from customers by covering legal defense costs and settlements. E&O insurance is ideal for professional services businesses such as accountants, lawyers, consultants, and contractors.
Commercial Auto Insurance
Whether you have a single company vehicle or a fleet of maintenance trucks, commercial auto insurance is a smart decision. Accidents and repairs can quickly add up and put a financial strain on your business. Commercial auto provides coverage for things such as damages, theft, or accidents. Our coverage options and possibilities are as broad as the businesses that need them. Speak to an agent to learn more.
Commercial Property Insurance
If you own a physical store location, commercial property insurance offers coverage for everything under your roof. From IT infrastructure and equipment to products and furniture, it provides financial security in the event of losses caused by theft, vandalism, or even severe weather.
Worker’s Compensation
Workers’ compensation insurance covers medical expenses and lost wages for employees who suffer job-related injuries or illnesses. Not only is it recommended, but most businesses are legally required to carry worker’s compensation to limit liability for workplace incidents. There are numerous factors used to determine your premium, including the likelihood of claims and industry.
Surety Bonds
Establish credibility and trust with your clients by purchasing a surety bond. A surety bond is designed to protect your clients, allowing them to recover the financial losses through the bond if your business fails to fulfill the terms of the contract. Many contractors, construction companies, and businesses entering a service agreement utilize surety bonds to provide peace of mind.
Employment Practices Liability Insurance
Employee lawsuits due to wrongful termination, discrimination, harassment, or wage disputes are becoming increasingly common. If a current or former employee sues, will you be able to continue operating? Employment practices liability insurance will mitigate risks and provide legal protection by covering legal defense costs and potential employee damages. Discover how EPLI insurance can be used to protect your business.
Commercial Umbrella
Do you need additional coverage? When claims exceed the coverage on your insurance policies, you may need added coverage to protect your business. A commercial umbrella insurance plan extends the limits of your primary policies to ensure you’re protected no matter the claim amount. Supplement your auto, commercial, and general liability plans with a commercial umbrella policy. Learn more.
Trust a Local Agent for Your Commercial Insurance Needs
You’ve worked hard to make your business what it is, and our team will work alongside you to protect it. At Wilson Independence Insurance Agency, our agent has experience helping business owners throughout Grove Cottage, WI and the surrounding communities within various industries, including retail, restaurant, construction, and more. We can shop national carriers and local companies to help you find the right combination of insurance protection to keep your business operating efficiently. Speak to an agent today to get started.