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Car Accidents – Heavy rainfall, shorter daylight hours, wet leaves, and roads covered with fallen leaves can make fall a risky season to drive. It’s vital to stay safe on the road by driving slowly, keeping a safe distance, and ensuring that your car is in good working condition. Check that your brakes and tires have enough grip to work in wet conditions. You can also consider purchasing comprehensive auto insurance that covers damages caused by fallen debris, hail, floods, or other weather-related incidents.
Motorcycle Insurance
Motorcycle Insurance is a stand-alone policy designed to provide coverage for a variety of motorcycles and related vehicles, such as trikes, mopeds, scooters, dirt bikes, all-terrain vehicles, Although motorcycles can be added to the personal auto policy coverage gaps can result. Several insurers have developed this insurance for motorcycle owners, which reduces or eliminates these gaps. Some insurers also have specialty policies for off-road cycles, such as dirt bikes. BWO represents several motorcycle insurance companies so
Boat Insurance
If you don’t have a separate boat insurance policy, you’re probably underinsured. Auto and homeowners insurance policies aren’t made to cover boats. Boat insurance coverage varies based on your boat or watercraft. Typical boat insurance policy includes the following coverage...
RV Insurance
Snowmobile Insurance
Snowmobile insurance typically helps cover you and your sled in a number of ways. For instance, a snowmobile insurance policy may help pay to repair damage to your sled or prevent you from paying out of pocket if you injure another person or damage their property while riding your snowmobile. A snowmobile insurance policy may include...
Renters Insurance is often required by a landlord. The building itself is not insured but your personal property is covered as well as liability should a guest be injured in your rental.
Home Insurance
Water Damage – Fall storms can wreak havoc on your property’s foundation and lead to flooding. It’s essential to take preventive measures such as cleaning gutters regularly, sealing any cracks in your home’s foundation, and water-proofing the basement. Confirm with your home insurance company if water damage is included in the policy so that you can add any additional coverage if needed.
Condo Insurance
Condo insurance typically covers your property from the outside walls in, based on the bylaws of your association. Liability is also provided.
Many small businesses struggle to compete with larger businesses when it comes to employee benefits. However, one benefit that is often overlooked is group life insurance. This benefit can be extremely attractive to potential employees, and it can give your business a competitive advantage. Group life insurance can be used to provide financial protection for employees in the event of an unexpected death. It can also be used to help cover funeral expenses and other final expenses. As a result, group life insurance can be a valuable benefit for both your business and your employees. Set up a meeting with a BWO agent to help navigate your options.
Health Insurance
There are a lot of confusing acronyms in the world of health insurance (PPACA, HIPAA, HMO... the list goes on). And with all of the different options out there, it can be hard to know which one is right for you. That’s where health insurance specialists at BWO Insurance come in. We can help you navigate the confusing world of health insurance and find a plan that meets your needs.
Disability Insurance
Disability insurance is a type of insurance that pays eligible employees a portion of their income when they are unable to work due to an injury or illness. It covers both short-term and long-term disabilities, affording workers peace of mind knowing they can still generate income, and help companies avoid losses associated with the absence of a key employee. It also helps reduce the stress and anxiety employees might experience during their recovery period and contributes to enhancing the overall morale of the organization.
This will largely depend on the type of business that you own. It is recommended that you contact your agent/agency office to discuss the nature of your business. Your agent will work with you directly to review your coverage options, and he or she can provide you with solutions that will be customized for your individual business insurance needs Contact us at BWO to help you navigate your options.
Commercial Property Insurance
We at BWO Insurance understand the importance of commercial property insurance for your business. The purpose is to protect you from accidents and losses, such as fires or thefts that could happen while running errands during off hours; however, it also helps in case something goes wrong with machinery when they’re most vulnerable. With BWO as your guide we can explore a number of options tailored just right according what type(s)of coverage(s), limits/ deductibles are right for your scenario.
Workers Compensation Insurance
Commercial Liability Insurance
A commercial liability insurance agent at BWO Insurance can help you identify and control those exposures and review coverage options from several top rated insurance companies. Contact us today to get the right protection for your business.
Professional Liability Insurance
There are literally dozens and dozens of situations where liability claims can exceed your commercial or professional liability insurance coverage limits. Liability limits are not enough to cover all of these situations, which is why commercial umbrella insurance can be so helpful. As the owner or operator you know how much your business depends on its ability to function smoothly for years in order make a profit; but what happens if something goes wrong? Commercial umbrella policies provide affordable coverage that could help you stay afloat in these kinds of situations...
General liability insurance protects businesses from costly third-party liability lawsuits. When an employee is injured in the workplace, they may also file a lawsuit against their employer, and this is where general liability insurance comes in handy. Any legal fees, settlements, or judgments against your business that results from the employee’s injury are covered by this type of insurance.
Travel Insurance
Pet Insurance
Pet Insurance can help your pet get the best veterinary care available when they need it by reducing the financial burden of unexpected medical costs due to illness or injuries. Plus, preventive wellness options could help you stay ahead of any potential issues altogether. Policies can cover a wide variety of medical expenses, including...
Wedding Event Protection
A wedding insurance policy can help cover your costs if things go wrong on your big day. Given the cost of the average wedding today, it could be well worth the investment. It’s wise to start shopping for a wedding insurance policy as soon as you begin the planning process. Compare policies and rates from multiple companies, and be sure to read the exclusions and restrictions carefully, because policies vary in what they will and won’t cover. Your
Many people mistakenly assume they need to live close to a body of water in order to need flood insurance, when this is simply not the case. Flooding can occur in any area at any time. In fact, floods are the most common natural disaster in the United States. Even if you don’t live near a lake or river, there could be flooding caused by melting snow and ice, blocked drainage systems, and heavy or sustained rainstorms — all of which can wreak havoc on an unprepared property. Flood insurance is the best way to protect your home and possessions from the potential damage that could arise from these unexpected floods. Also consider adding water backup coverage to your policy. This will cover water/sewage that enters through the sump pump or sewer drain. Reach out to BWO Insurance to help.