Do boat insurance policies cover gadgets and appliances?

You also protect the items you take with you on a boating trip when you purchase a boat policy from Dern & Company to protect your boat or other watercraft on the lakes of Wisconsin and in transit to the lake on Milwaukee, WI roads. 

Do boat insurance policies cover gadgets and appliances?

Boat insurance policies contain more than one type of policy coverage, similar to how auto insurance provides options for full coverage or just property and bodily injury liability. Boat insurance lets you build your own policy, too.

When you add comprehensive and collision to your boat policy, you protect your property on the boat from essentially any even that could damage it, including theft. The comprehensive component of the insurance policy provides theft coverage. The collision coverage provides coverage for your personal property in cases of a single boat accident.

This type of coverage provides coverage for the radar system you install to catch bigger fish and the microwave you install in the galley to make it easier to cook the yummy fish you catch. You also receive coverage for the items you take with you on an outing on the boat.

For example, you pack an overnight bag with your laptop, cell phone, charger, and a change of clothing and take it with you on a weekend boat outing. You plan to sleep on the boat and cook meals in the galley. While you’re on the water on the second night, lightning strikes the boat while you had your electronics plugged in to charge. It fries everything electrical on the boat. Your comprehensive coverage pays for every item. You file a claim with us, and you get a check from your insurance company that pays you for a replacement laptop, cell phone, charger, radar system, and microwave.

Contact Dern & Company serving Milwaukee, WI to obtain boat insurance that protects your watercraft investment. Let us help you better protect your investment.

What comes with a commercial insurance plan in Wisconsin?

In the Milwaukee, WI area, there is a lot of opportunity for success as a small business owner. While you can enjoy a lot of benefits with owning a business here, you do need to ensure that your organization remains appropriately covered with insurance. If you invest in a commercial insurance plan, you will receive several benefits and forms of insurance coverage. 

Liability Risk Mitigation

One of the advantages of commercial insurance is that it can help to mitigate your liability risk. There is a lot of risk that comes with owning a business, one of which is the risk that you could cause an accident or injury to another party. If this happens, you will be responsible for covering any financial damages. When you invest in a commercial insurance plan, you will get the support needed to help mitigate your risk of liability. 

Protect Core Assets

Any business today will need to ensure that their important assets are protected and covered with insurance. If you have a commercial insurance plan, a part of the policy will cover these assets. This can ensure you are able to replace the assets if you incur a covered loss, which can include fire damage, theft, or vandalism. This can help ensure you have the capacity to replace these important assets. 

It is clearly a good idea to get a commercial insurance plan when you are in the Milwaukee, WI area. If you are looking for this insurance coverage here, calling the team with Dern & Company can be beneficial. The team with Dern & Company understands the importance of this coverage and will provide any guidance that you need to build your next policy. This can ensure both you and your business are appropriately covered with a quality plan.

Do You Really Need Renter’s Insurance?

If you are renting a home or an apartment, you may be wondering if you need to get renter’s insurance. While this is an important decision that is personal, there are some times when you may want to have insurance. 

You may be required to have renter’s insurance. If your landlord requires you to have renter’s insurance, you may need to show them proof that you have insurance for your things. 

It will cover your possessions. If you have some possessions that have some value, you are going to want to make sure that you are protected. It will cover the cost of replacing your items if something happens to your apartment or rented home. 

It will also protect you if someone gets hurt in your apartment or home. When you have renter’s insurance, it will help you if someone gets hurt at your place. Not only will it cover their medical bills, it will help you if you get sued. It will pay your legal fees. 

Your renter’s insurance may also protect you if you lose your home. If your rental property is inhabitable, your renter’s insurance may help you with your extra expenses during this time. 

While many landlords may require renter’s insurance, you may also want to get it to protect your possessions. You may also want to protect yourself in case someone gets hurt in your home. Your renter’s insurance will help cover their medical bills, along with any legal fees if you end up getting sued. 

If you want to talk to a professional about whether you need renter’s insurance or not, don’t hesitate to contact us today at Dern & Company in Milwaukee, WI. 

RV Insurance Ins and Outs

Owning a recreational vehicle can be the highlight of someone’s life. After all, it allows you to travel independently from state to state without much fuss. Some people might take their RV’s for a spin every weekend, others leave it at home until it is time for a Christmas or summer road trip. Whatever it is, you can make your RV work for you.

Being on the road can also come with issues, often ones not budgeted for that can really disrupt the trip. Therefore, making sure your RV doesn’t run into unforeseen costs while you’re on the road really helps. Dern & Company in Milwaukee, WI proudly offers RV insurance to anyone who owns an RV. Our agents can give you several quotes to choose from, and they will go through these quotes at your speed. 

The Ins of RV Insurance

When you’re at home dreaming away about your big RV trip, your parked-up RV should still be insured, even when you don’t use it for a while. In most cases, this isn’t included in a regular home or car insurance. If your RV is stolen or someone drives into it, insurance can be incredibly helpful in those cases.

The Outs of RV Insurance

There is little to say against RV insurance since it’s so convenient, you can road trip without worrying about what you would do in case of an accident and know your RV and your money is safe.

If you want to receive several quotes for your RV, call Dern & Company in Milwaukee, WI as soon as possible. You can also fill out a quote form on the website here. 

What does renters insurance cover?

Renters insurance is a smart choice regardless of how much you own. You may feel as if you don’t own anything expensive enough to insure. However, nothing could be further from the truth. If you lose a PC, cell phone, clothing, or furniture, you will still need to replace these items, regardless of the cost. You can purchase renters insurance in amounts compatible with the value of your belongings. Our Milwaukee, WI team at Dern & Company can answer all of your questions regarding renters insurance. 

What Does Renters Insurance Cover?

In short, renters insurance covers damage to your items in your apartment, condo, or rented home. If your items are damaged by broken pipes or some other external issue. However, renters insurance also covers damage or loss that results from theft, some natural disasters, and bodily injuries that occur on your rented property. This can include damage to your furniture, clothing, and electronic devices, in addition to injury to people who may visit your home. 

Additional Coverage

Renters insurance can be quite expensive. It can also cover your stay at a hotel if your home is uninhabitable for a period of time. Coverage for court costs and other legal issues can be covered as well. It’s best to choose coverage amounts that are compatible with the value of what you currently own. 

Talk to an Agent

When in doubt, ask. It’s best to get your guidance from one of our Dern & Company team members who can provide precise information for any and all of your questions. Give us a call with your questions. We’re here to educate and answer your questions as well as guide your decision-making process when it comes to renters insurance. One of our agents can discuss the benefits of certain coverage to help you decide what you need and don’t need. We can also talk about additional coverage that may protect you in other ways as well. Renters insurance protects your belongings and valuables both in your home and away from your home. 

Does Boat Insurance Cover Damage You Cause?

Boat insurance is similar to auto insurance. When you have boat insurance, your insurer covers damage to your boat and others in many situations. While living in Milwaukee WI does not mean you must have boat insurance, Dern & Company understands that you want to have the most protection possible.

So, does boat insurance cover any damage that you cause? Here’s what you need to know.

Boat Insurance Covers Some Damage You Cause

Boat insurance provides you with the option to cover physical injuries and property damage that you cause while boating. Boat insurance is versatile, and there are several add-on options you can consider to provide more protection beyond standard insurance.

Liability Coverage Is Crucial

When you have boat insurance, your policy should include liability coverage. Liability coverage is meant for damage or injuries that you cause while boating. Specific limits are in place, and you may choose to add more liability coverage to cover more expenses.

Physical Damage Coverage Is Helpful

You might also consider a policy that adds physical damage coverage, which is intended to cover damage that occurred outside of your control. For example, your boat may have been damaged because of a fire, or perhaps the weather caused your boat to crash into another boat.

Boat Insurance Is Not Required

Unless you operate a commercial fishing boat, boat insurance is not a requirement in Wisconsin. Still, it is a good idea to cover damage you could be considered at fault for.

Do you still have questions about boat insurance and the best coverage for your property? Contact Dern & Company to learn more about boat insurance in Milwaukee, WI.

Required Commercial Insurance in Wisconsin

If you have a business in Wisconsin, there are two types of commercial insurance that many businesses are required to have. If you need more commercial insurance for your business, give us a call at Dern & Company in Milwaukee, WI.

Workers’ Compensation

Workers’ compensation is a type of insurance that covers your liability if an employee gets sick at work or is injured there. It helps your business to thrive by not requiring it to come up with all of the medical bills. It’s helpful to employees who are injured, as it provides payment for their medical costs after an accident or illness. In Wisconsin, this type of insurance is required for all businesses that have at least three employees, whether they are part-time or work full-time hours. 

Commercial Auto

If your business owns a vehicle, it cannot be covered by a personal auto insurance policy. It has to be covered by a commercial auto policy. If you own a vehicle that is often used for business, though it is not owned by the business, it should have an insurance policy called hired and non-owned. This keeps your vehicle covered with insurance that will actually payout after an accident. This insurance type is not mandatory, but it is a policy that is highly recommended. This policy has specific minimums that must be met for bodily injury liability, uninsured motorists, and property damage liability. While you have to have the minimum amount of coverage, these numbers are low, and it’s often recommended that you get higher coverage amounts so that your business is safer from lawsuits and medical bills. 

Get Your Commercial Coverage

If you’re a business owner, you need to make sure you have the right commercial insurance policies covering your business. Going without them can be disastrous. If you need coverage, call us at Dern & Company in Milwaukee, WI.

Why Every Renter Needs Renters’ Insurance

When you live in a rented home, no matter what type it is, you need to have a renters’ insurance policy in place. It protects you in a number of ways, and it’s dangerous to be without it. If you need renters’ insurance, call us at Dern & Company in Milwaukee, WI.

Protecting Your Possessions

One of the main types of coverage that you get from renters’ insurance is coverage for all of your possessions that are in your rented home. If you rented without any insurance and had a disaster or an accident that caused your belongings to be seriously damaged, you would have to pay for it all yourself. If you have condo insurance, you will get help with replacing your items that were destroyed or damaged. It’s important coverage for anyone who rents.

Your Standard of Living

Another important protection that comes from renters’ insurance is protection against a significant standard of living. If your rented dwelling were to be seriously damaged, it might not be safe to live there for a while. When a rental becomes uninhabitable, your renters’ insurance will provide you with another place to live while yours is being fixed. It can even pay for certain moving and ongoing living expenses for the whole process. 

Get Protection Against Liability

You likely intend to have guests in your home from time to time. If one of them should have an accident inside your home, your renters’ insurance will cover the medical bills through its liability insurance. This is a type of coverage that can save you an enormous amount of money in the event of an accident that you are liable for. 

Get Renters’ Coverage

If you are rending your home and need it insured, contact us at Dern & Company in Milwaukee, WI. 

Is Business Insurance Required By Law?

As a business owner in Milwaukee, WI, you might be wondering whether you need business insurance. This is a question that other business owners in Wisconsin have been wondering as well. There is a feeling that staying without business insurance can help you save some money. However, it is necessary to get advice from Dern & Company, a leading insurance company in this region. 

Is Business Insurance Required by Law?

Around the country, all the states require that your organization buy the necessary business insurance. This means that you cannot operate a company without having the essential insurance policy that will help in covering some of the eventualities that are likely to face your business. Here are some other policies that fall under the category of business insurance. 

Workers’ Compensation

The law requires that your business have a workers’ compensation policy. This is an insurance cover that is specifically meant to address the medical expenses of the employees who will get injured as they handle various activities in your organization. Employees signing for workers’ compensation waive the right to sue your business for medical expenses and compensation. 

Commercial Vehicle Insurance

You also need to have an insurance policy that covers the vehicle that handles your business operations. This is a different policy from standard auto insurance. It can be much expensive than auto insurance because it helps in addressing the needs of a commercial vehicle. 

Business Property Insurance

Protecting your property and the assets inside your business premises is very important. That is why you must make sure that you have business property insurance. This is an essential policy that you cannot ignore as a business owner. 

Do You Need Business Insurance?

From the notes above, it is obvious that you must make sure that you have the necessary business insurance. Dern & Company is the leading insurance company in Milwaukee, WI. Call us today for professional services and business insurance.

Who Needs Commercial Insurance

As an experienced business owner in Milwaukee, WI, you must have come across the term commercial insurance. This coverage helps your business deal with possible losses of income, property damages, worker’s compensation issues, and probably advertising liabilities. 

Dern & Company has learned that many business owners in Milwaukee do not have commercial insurance, mainly because they do not know who needs it. Here are some of the individuals who need to have commercial insurance. 

Mainstream Business Owners

As a mainstream business owner in Milwaukee, it is evident that you need to have commercial insurance for your business. There are many possible risks facing your company, and you cannot ignore the possibility of some of them happening to you. By having commercial insurance, you will be ready to handle any possible risk without jeopardizing the survivability of your Company. 

Commercial Auto-Owners

If you have a truck that has been doing deliveries and long-distance shipment of goods, you need commercial auto insurance. In this case, your truck is your business, and as such, you need to protect it at any cost so that you can continue to operate despite the challenges you will be facing ahead. Commercial insurance can help in repairs, replacement of damaged trucks, and sometimes compensation for damaged goods. 

Home-Based Business Owners

Home-based business owners are incorporating any available strategy to cut operational expenses. However, operating a home-based business does not exempt you from having commercial insurance. Your company continues to face all the possible risks regardless of the official operational area. 

If you have been operating your retail outlet in Milwaukee, WI, without commercial insurance, it is obvious that you have been putting your business at risk. Contact Dern & Company for commercial insurance for your business and secure the future of your retail organization.