Balch Insurance understands the unique challenges faced by Wisconsin businesses. That’s why we offer tailored insurance solutions to protect your assets and your bottom line.
Understanding Your Business Risks
Every business is different, and so are its insurance needs. Let’s explore some common commercial risks and how we can protect you.
Habitational Properties
Whether you manage apartments, condos, or single-family homes, your property faces specific risks. Landlord insurance is essential to protect against property damage, liability claims from tenants, and loss of rental income. We can help you determine the appropriate coverage levels and address potential challenges such as tenant screening, maintenance responsibilities, and compliance with local regulations.
Daycares
Daycares provide a valuable service to the community, but they also carry significant risks. Childcare insurance covers liability claims, property damage, and accidents involving children. We can help you understand the importance of background checks, safety measures, and compliance with state regulations to mitigate your risk.
Convenience Stores
Convenience stores are often targets for theft and vandalism. Retail insurance provides coverage for property damage, loss of income, and liability claims. We can help you address specific risks such as product liability, employee theft, and food safety regulations.
Gas Stations
Gas stations present unique hazards due to the presence of flammable materials. Commercial property insurance, along with specific coverage for environmental risks, is essential. We can help you understand the importance of underground tank monitoring, spill prevention, and compliance with environmental regulations.
Underground Tanks
Underground tanks, whether for gasoline or other hazardous materials, pose significant environmental risks. Environmental liability insurance protects you from cleanup costs and potential lawsuits. We can help you assess your exposure, implement preventative measures, and comply with state and federal regulations.
Offices
Professional liability insurance, also known as errors and omissions (E&O) insurance, is crucial for protecting your office-based business. This coverage protects against claims of negligence or mistakes in your professional services. We can help you determine the appropriate coverage levels based on your specific business operations.
Restaurants
Restaurants face a variety of risks, including property damage, liability claims, and foodborne illness. Restaurant insurance provides comprehensive protection. We can help you address specific challenges such as liquor liability, employee injuries, and food safety regulations.
Small Manufacturing
Manufacturing operations involve machinery, inventory, and potential liabilities. Manufacturing insurance covers property damage, business interruption, product liability, and general liability. We can help you identify specific risks based on your manufacturing processes and products.
Lessors Risk
If you lease equipment or property to others, lessors risk insurance protects your investment. This coverage protects against property damage, loss of income, and liability claims related to the leased property. We can help you assess your exposure and determine the appropriate coverage levels.
Commercial Auto & Trucks
Your vehicles are essential to your business operations. Commercial auto insurance provides coverage for accidents, theft, and liability claims. We can help you choose the right coverage based on your fleet size, types of vehicles, and driver history.
Balch Insurance is committed to understanding your business and providing tailored insurance solutions. Contact us today for a comprehensive risk assessment and quote. Contact us for a free quote for your business.
Note: This is a general overview and may not cover all potential risks or insurance products. It’s essential to consult with an insurance professional to determine the specific coverage needs for your business.
