Business Insurance image, closeup of hands completing paperwork

Business Insurance

It's Simply Smart Business.

Your business is important—so you need insurance that can help protect your investments, your employees and your buildings. River Valley Insurance offers a comprehensive range of smart insurance solutions to fit your needs.
Help lessen the risk of being in business. Protect yourself and your business against financial and property loss.
 

Business Protection:
No two businesses are exactly alike!

River Valley Insurance commercial lines experts will analyze your business needs and help you develop a plan that is customized to your specific situation.
We work with our many insurance markets to obtain competitive quotes that help you get the most value from the dollars you spend on business insurance. Whether your business is large or small, we have the insurance products to meet your needs. 

Owner/ Business Insurance
Your business is important, so you need insurance that can help protect your investments, your employees and your buildings. River Valley Insurance offers a number of different insurance solutions to fit your needs. 
 
What we need:
  • Full business and description of operations
  • Officer names and position
  • Length of time in business
  • Estimated gross receipts 
  • Employee payroll
  • Year building(s) built and year of updates to roof, electrical, plumbing and heat 
  • Tool and equipment values
  • Loss history
  • Federal ID number
  • Copy of current policy, if available.

Workers Compensation Insurance
Keep your employees – and your bottom line – safe with workers compensation insurance. Ensure that you are protected if one of your employees is hurt or negligent on the job. 
 
What we need:
  • Full business and description of operations
  • Owner/officer names and position
  • Length of time in business
  • Employee payroll
  • Loss history
  • Federal ID number
  • Copy of current policy, if available.

Commercial Auto
Commercial vehicle insurance, like your personal auto policy, provides similar coverage against liability, collision, comprehensive damage, medical payment, personal injury protection and uninsured motorist coverage.
 
What we need: 
  • Full name, birth date, driver’s license number for all drivers
  • Vehicle description and ID number
  • Cost new
  • Radius
  • Special equipment
  • How vehicle is used
  • Loss history
  • Copy of current policy, if available.

Special Events
Hosting events such as Golf Outings, Concerts, Festivals, Conferences, Trade Shows, Sporting Events and Celebrations subjects a business to a variety of liabilities.
 
What we need:
  • Type of Event
  • Date of Event
  • Duration of the Event
  • Number of Participants
  • Estimated Receipts

Professional Liability
Professional Liability insurance covers liability for damages arising from the rendering of or failure to render professional services.  Protect yourself and your business from claims not covered by general liability coverage.
 
What we need:
  • Full business and description of operations
  • Owner/officer names and position
  • Length of time in business
  • Estimated gross receipts 
  • Loss history
  • Federal ID number
  • Copy of current policy, if available.

Condo/Property Owners Association
You’ve invested a lot in your rental properties and we want to help you protect that investment by insuring you against losses and damages to your buildings.
 
What we need:
  • Full business and description of operations
  • Owner/officer names and position
  • Length of time in business
  • Year building(s) built and year of updates to roof, electrical, plumbing and heat 
  • Loss history
  • Federal ID number
  • Copy of current policy, if available.

Errors/Omissions
Help protect your businesses against employee errors. This type of insurance can be especially helpful for professional industries including architects, lawyers, accountants, engineers, insurance agents and contractors.
 
What we need:
  • Full business and description of operations
  • Owner/officer names and position
  • Length of time in business
  • Estimated gross receipts 
  • Loss history
  • Federal ID number
  • Copy of current policy, if available.

Directors & Officers
Directors & Officers insurance protects executives against the consequences of alleged or actual “wrongful acts” they commit while performing regular or supervisory duties.

What we need:
  • Full business and description of operations
  • Owner/officer names and position
  • Length of time in business
  • Estimated gross receipts 
  • Loss history
  • Federal ID number
  • Copy of current policy, if available.

Bond Insurance
Bond insurance guarantees that the holder of a bond will continue to receive scheduled payments, even if the issuer fails to make the payments. 
 
What we need:
  • Full business and description of operations
  • Owner/officer names and position
  • Length of time in business
  • Type of bond
  • Loss history
  • Federal ID number
  • Copy of current policy, if available.

Cyber Liability
Modern technology is drastically changing the way many businesses operate on a day to day basis. Help lessen the risk of a security breach or similar event. Ensure that your business as well as your customer’s personal information is protected.
 
What we need:
  • Full Business Name, Location and Description of Operations
  • Length of Time in Business
  • Estimated Gross Receipts
  • Total Number of Confidential Records Kept, if applicable
  • Loss History
  • Federal ID Number
  • Copy of current policy, if available.

Employment Practices Liability
In many cases employees are a business’ largest asset. However, that's not always the case. Protect your business against wrongful acts arising from the employment process as well as other workplace misconduct.
 
What we need:
  • Full Business Name, Location and Description of Operations
  • Length of Time in Business
  • Estimated Gross Receipts
  • Number of Employees
  • Estimated Total Employee Payroll
  • Loss History
  • Federal ID Number
  • Copy of current policy, if available.

Commercial Umbrella
While you may already carry General Liability coverage for your business, a Commercial Umbrella provides an additional layer of protection in the event of catastrophic losses or events.
 
What we need:
  • Full Business Name, Location and Description of Operations
  • Length of Time in Business
  • Estimated Gross Receipts
  • Number of Employees
  • Estimated Total Employee Payroll
  • Loss History
  • Federal ID Number
  • Copy of Current Umbrella and/or Other Underlying Policies, if available.

Builder’s Risk
Protect your business from damage or a physical loss of materials, fixtures and equipment during the course of construction of a new building or structure.
 
What we need:
  • Full Business Name, Location and Description of Operations
  • Length of Time in Business
  • Building Specifications (construction type, # of stories, basements, roof type, replacement value, square footage)
  • Value of Materials/Equipment at Construction Site
  • Loss History
  • Federal ID Number
  • Copy of current policy, if applicable.

Motor Coach
Driving motor coaches presents various liabilities to a driver and others. Protect yourself from the liability of traveling in the coach as well as ensuring that the proper coverage is in place in the event of a physical loss.
 
What we need:
  • Full Business or Individual Name, Location and Description of Operations (If applicable)
  • Length of Time in Business, if applicable.
  • Estimated Gross Receipts, if applicable.
  • Number of Employees, if applicable.
  • Estimated Total Employee Payroll, if applicable.
  • Driver’s Information (Full name, Date of Birth, License Number, Address, State Licensed)
  • Loss History
  • Federal ID Number or Social Security Number
  • Copy of current policy, if applicable.

Key Man Life Insurance
Imagine the CEO or President of your company suddenly passing away or becoming disabled and unable to perform their job duties. Would your business survive? Protect your business from the loss of income or expenses in the event that a key employee or owner suddenly passes or becomes disabled and unable to perform their job.
 
What we need:
  • Full Business Name, Location and Description of Operations
  • Length of Time in Business
  • Estimated Gross Receipts
  • Specialized Skill
  • Income of Key Man
  • Individual Position in Business
  • Individual Experience
  • Loss History
  • Federal ID Number
  • Copy of current policy, if available.

Umbrellas of all different colors floating in the blue sky.

 

Commercial Umbrella Insurance.
Watch this video to learn more about this advantageous coverage to protect your business from liabilities that threaten its financial stability.

 

Contact Us Today with any Questions or to Get an Insurance Quote for Your Business Needs.

Phone:

Southern & Central Wisconsin:
1-800-472-1544
Northern Wisconsin & Michigan:
1-800-224-9764

Email:  

info@rivervalley-insurance.com
Business Hours: M-F, 8am-5pm.
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River Valley Insurance Agency, Inc. is a wholly owned subsidiary of River Valley Bank. Products offered by River Valley Insurance are not a deposit, not FDIC insured and not guaranteed by River Valley Bank.

Our Insurance Agents Are Ready to Help!

With locations throughout Wisconsin and Michigan, you're never far from one-on-one service and always connected to a dedicated agent.

Call Us:

Southern & Central Wisconsin:
1-800-472-1544
Northern Wisconsin & Michigan:
1-800-224-9764

Email:  

info@rivervalley-insurance.com

 Fax:  

715-841-1393

Need Personal Insurance? Click here!

 


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Discover the best coverage to fit your budget. Contact River Valley today for  a custom insurance quote to secure your business' future.

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