2409 52nd Street, Suite #3 Kenosha, WI 53140
(262) 658-8955

Business Insurance Coverage

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We understand protecting your business is your first priority, and that is why we make it ours. We will work to make sure your business is protected from the unforeseen. Serving Kenosha, Racine, and all of Southeastern Wisconsin, BWO Insurance Group, LLC can custom-tailor a business insurance policy to best fit your company’s unique needs.

Business Insurance

Condominium Associations, Retail/Wholesale Stores, Apartment Owners, Offices, Beauty/Barber Shops, Contractors, Daycare Centers, and Restaurant Owners are just some of the few specific small to medium-sized businesses that require a Business Owners Policy, also known as a BOP. The coverage options for BOP’s depend specifically on the type of business being insured, and their exclusive needs.

Property Policy Coverage Options

The standard property policy typically provides coverage for the replacement cost or the actual cash value of a damaged building. The replacement cost coverage is typically protected under the business personal property policy. The special property policy will provide you with the same amount of protection, however, the business personal property policy will also protect your money and securities.

There are a variety of additional coverage options that you can choose to add to your BOP, including:

  • Fire Department Service Charge
  • Debris Removal
  • Business Income
  • Equipment Breakdown
  • Extra Expenses
  • Newly Acquired Premises
  • Outdoor Property
  • Personal Property Off Premises
  • Collapse – Special Property Coverage Form
  • Water Damage – Special Property Coverage Form
  • Seasonal Increase for Business Personal Property (Dependent on the Season)
  • Spoilage

Liability Coverage Options

  • Bodily Injury
  • Property Damage
  • Medical Expenses
  • Personal Injury
  • Advertising Injury
  • Limited Contractual Liability

Additional Coverage Options under a BOP, including:

  • Premises-Operations
  • Products & Completed Operations
  • Contractual Liability
  • Personal & Advertising Liability
  • Premises-Medical Payments
  • Damage to Premises Rented to You
  • Host Liquor
  • Incidental Medical Malpractice
  • Broad Form Property Damage
  • Off Premises Mobile Equipment
  • Voluntary Property Damage
  • Explosion-Collapse & Underground Liability
  • Per Project Aggregate Limit
  • Blanket Contractual Liability
  • Employees as Additional Insured’s
  • World Wide Products Coverage
  • Blanket Contractual
  • Defense Costs
  • Fire Legal/Tenant Fire Liability
  • Accounts Receivable
  • Computer, EDP equipment, Data, Media, Phones
  • Valuable Papers & Records
  • Attached Outdoor Signs
  • Personal Effects
  • Non-Owned Personal Property
  • Business Personal Property in Transit
  • Newly Acquired or Constructed Property
  • Arson Reward
  • Fire Extinguisher Recharge Coverage
  • Automatic Coverage
  • Hired & Non-Owned Auto Liability
  • Money & Securities
  • Non-Owned Water Craft
  • And more...

Deductible Options Include:

  • Increased Limits (Liability, Fire Legal Liability)
  • Builders Risk
  • Automatic Increase Building Insurance
  • Burglary & Robbery
  • Condominium Directors & Officers Liability
  • Contractors Errors & Omissions
  • Employee Dishonesty
  • Employment Benefits Liability
  • Exterior Glass
  • Outdoor Signs
  • Building Ordinance Coverage
  • Earthquake
  • Liquor Liability
  • Professional Liability
  • Refrigerated Products/Food Spoilage
  • Voluntary Property Damage
  • Water Backup of Sewers or Drains

Additional Coverage Options Include:

  • Workers’ Compensation
  • Builders Risk
  • Commercial Automobile
  • Commercial Umbrella
  • Boiler & Machinery
  • Bonds
  • Pensions
  • Special Events
  • Tax Deferred Plans
  • Business Life Insurance Plans
  • Group Life and Health Plans

BWO Insurance Group is able to offer the most comprehensive insurance packages at a competitive price due to our close tie with a variety of reputable insurance companies. We will gather all the essential information about your business operations and formulate the perfect business insurance plan based on your company’s individual needs and desires.

Call us in our Kenosha/Racine office today at (262) 658-8955

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