While often overlooked and viewed as a necessary evil, insurance is a critical piece to any financial plan whether you are an individual, family, or business. It is a guarantee against financial hardship when things don’t go as planned.
Personal Insurance
Personal insurance consists of coverage protecting you against the physical loss of property such as the case of a wind storm or car accident, as well as the financial setback you would otherwise experience in the case of being sued by another for damages. The most well-known forms of coverage are those for your cars and your home. These forms are quite common and most everyone that owns a car or a home has these coverages. However, there are also lesser-known coverages that are very important as well and should not be overlooked. These include renters, watercraft, coverage for your ATV or UTV, as well as newer forms of coverage such as cyber-liability and identity theft.
If you’re confused by all of the different forms available and are not confident you are properly covered, give us a call and we’d be glad to provide you with a free insurance review.
Business Insurance
Business needs can be even more complex. The most common forms for small businesses start with a Business Owners Policy. A Business Owners Policy, or often referred to as a BOP, usually includes Commercial Property Coverage, Business Interruption Coverage, and Commercial Liability Coverage. Beyond that many businesses also need Workers Compensation, Commercial Auto, and other coverages specific to the type of business being operated.
If you would like to meet with an agent for a commercial insurance review, please contact our office to schedule an appointment.
Life Insurance
Balch Insurance understands that life insurance is a crucial component of comprehensive financial planning. We offer a diverse range of life insurance policies tailored to meet the unique needs of individuals and families throughout Wisconsin. Whether you’re seeking the financial protection of term life insurance for a specific period, the lifelong coverage of whole life insurance, or the flexibility of universal life insurance, we are here to guide you. We also specialize in life insurance options designed for specific circumstances, such as final expense coverage for end-of-life costs or life insurance for seniors with unique health considerations. Our commitment to personalized service ensures that you’ll find the perfect life insurance policy to safeguard your loved ones’ financial future. Let Balch Insurance be your partner in securing peace of mind.