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Home & Auto Insurance HOME & AUTO

Auto insurance protects you against financial loss if you have an accident.

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Recreational Insurance RECREATIONAL

Discover the perfect insurance options to meet your specific and unique needs.

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Business Insurance BUSINESS

Browse a variety of insurance options in order to find the right one for you.

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Group Health Insurance GROUP HEALTH

Learn about different health coverage options that fit your specific needs.

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Life Insurance LIFE

Finding insurance doesn't have to be difficult. We do the work for you.

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ThinkHR ThinkHR

Have access to the HR resources you need to run you your business.

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Frequently Asked Questions

Below are some of our frequently asked questions.  If you have any other questions or concerns, please feel free to contact us via the web, or come and visit us.

  1. Reporting a claim when your office is closed?
  2. How do I file a claim?
  3. What is an independent insurance agent?
  4. What is an insurance deductible?
  5. What is an insurance premium?
  6. Who has to carry worker’s compensation insurance?
  7. Do I need to cover independent sub-contractors for workers compensation?
  8. What is the difference between General Liability and Professional Liability?
  9. Does my business need employment practices liability?
  10. Does my driving record affect my insurance premium?
  11. What is the difference between actual cash value and replacement cost coverage?
  12. What is the difference between collision and comprehensive coverage?
Reporting a claim when your office is closed?
It's the weekend  and I have a claim to report!  Go to the home page of our website and click on the  "File a Claim"  on the left hand side of the page.  From there you can pick the type of claim you have and fill out the submission form.  

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How do I file a claim?
Visit our Claims page for filing options.  Please feel free to contact Emily via phone (920)898-5731 or email with questions.

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What is an independent insurance agent?
Independent insurance agents represent a number of insurance companies, or "carriers", and sell the products that most appropriately meet the needs of their clients. 

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What is an insurance deductible?

An insurance deductible is the amount of money you are responsible for before the insurance company will pay any expenses incurred in the event of a loss or a claim.  For example, if the amount of your damage is $1,000 and your deductible is $500, your insurance policy would pay you the amount over $500 and you would be responsible for the first $500, subject to the terms and conditions of your insurance policy. 

In most cases, the higher the deductible, the lower the premium. 



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What is an insurance premium?
An insurance premium is the rate you are charged by an insurance company to keep your policy in effect. These rates are typically paid annually, bi-annually, or in monthly installments over the course of a year.

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Who has to carry worker’s compensation insurance?
Employers who employ three or more workers on a full or part-time basis. Employers who employ one or more workers on a full or part-time basis and who pay gross, combined wages of $500 or more in any calendar quarter for work done in Wisconsin must have insurance by the 10th day of the first month of the next calendar quarter. Farmers who employ six or more workers on any 20 days during a calendar year must have insurance 10 days after the 20th day of employment.

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Do I need to cover independent sub-contractors for workers compensation?
No, you are not required to cover independent sub-contractors for Worker's Compensation.  But, if the independent sub-contractor does not have a Worker's Compensation policy in place to cover their business they would be automatically covered under the hiring companies Worker's Compensation policy.  It is important to request a certificate of insurance showing a Worker's Compensation policy is in force from all independent sub-contractors prior to allowing them to perform work.    

Independent sub-contractors who have no employees or who are not required to be insured may buy a policy to cover themselves.

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What is the difference between General Liability and Professional Liability?
General Liability covers bodily injury or property damage to a 3rd party.  Professional Liability insurance provides coverage against claims of negligence or mistakes that cause financial harm to another person or company, and covers both the obligation to pay damages for covered claims, as well as the cost to defend against such claims.

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Does my business need employment practices liability?
Employment Practices Liability covers allegations of employment-related discrimination and sexual harassment, or retaliation against an employee. The cost of defending your business against these types of allegations can be considerable.

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Does my driving record affect my insurance premium?
Yes it does! Many factors are involved in determining your insurance premium, and your driving record is one of them.

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What is the difference between actual cash value and replacement cost coverage?
Actual cash value is the amount your property is worth at the time of the loss. In a sense, it is the cost to replace the item after depreciation has been factored in. Unfortunately, the actual cash value on your possessions, depending on its age and its condition, may be much less than the cost to replace it new. 

Replacement cost coverage is, simply put, the cost to replace or rebuild the damaged property with other property of comparable material and quality without taking into account a deduction for depreciation. 

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What is the difference between collision and comprehensive coverage?
Collision insurance covers the cost of repairing damages to your vehicle in the event of an accident involving another vehicle or object, regardless of who is at fault. Even though collision insurance coverage is not required by law in any state and does not cover the cost of repairing the other vehicles or other property involved, it is still an essential coverage for new vehicles and vehicles of considerable value because of the cost of repairing or replacing one today. A common oversight of carrying collision insurance on your current automobile policy is the protection you will receive if you should ever fall victim to a hit and run driver. Upon making a collision claim in this case, you will still be responsible for paying your deductible before your insurance company will cover your financial loss beyond that. 

Likewise, comprehensive is also an optional insurance, however, it provides coverage for damages to your vehicle caused by perils other than a collision. These unavoidable hazards could include theft, vandalism, fire, natural disasters or other “acts of God”.

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