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Automobile FAQs

You can file a claim several ways. The best way is to contact the insurance company directly. For contact information by carrier, click here. You can also complete the File a Claim form on our website or call us.
Before renting a car, it's important to speak with your insurance agent to find out exactly what your car insurance policy will cover on a rental car.

Every policy contains different types of coverage that could extend or exclude coverage should you be involved in an accident while renting a vehicle.

We also encourage you to check with your credit card company provider. Some credit card companies offer some rental car insurance coverage if you use their card to rent the vehicle. If you're unable to reach your agent we always advise taking the rental coverage to avoid any gaps in coverage such as diminished value and loss of use.
Your policy will normally adjust for differences in other state requirements if you have the required minimum coverage for your state. Personal automobile policy protection is only applicable in the United States, US territories and possessions and the provinces of Canada.
That depends. A business auto policy by itself won't extend protection to rented autos unless you have amended it. You can get protection for situations where you rent autos if you add Hired Auto Liability and Physical Damage coverage.
The claim process has a few variations but these are the essential steps once the claim has been submitted to the insurance company: You will be contacted by an insurance company adjuster to gather detailed information about your claim. Often, someone from the insurance company will inspect your auto or property for damage or will ask you to provide evidence of value and ownership for loss to property that is not a vehicle or real property. An estimate is prepared. A check is delivered. Sometimes differences in actual and estimated damages arise, especially after repair work has been undertaken. Every attempt is made to resolve these differences and sometimes a supplemental check is prepared. It is the responsibility of the insurance company to settle and pay your claim and the responsibility of our agency to make sure that is done as quickly and fairly as possible with a minimum of uncertainty and bother for you. We monitor claim progress closely and communicate with you throughout to make sure you are satisfied.
If you own, lease (long term) or finance your vehicle then you will file a claim with your insurance company. You will have to pay any deductible amount. Payment for your loss will include payment to the finance or leasing company, if any. If you cause damage to other vehicles or property, your insurance company will handle that with little or no involvement on your part, in most cases.
In most cases the other driver's insurance policy would respond and reimburse you for damages to your vehicle, property or injuries. In some cases, as when you or your passengers are injured and the other driver has inadequate or no insurance, coverage from your own policy may apply (Uninsured or Underinsured Motorist Coverage).
One claim is not a cause for concern on the part of insurance companies. But a pattern of claims may result in a premium increase or cancellation. So if you have a claim that is the third in three years, for example, that will be viewed differently than having one claim only. Individual claims that are suggestive of gross negligence can also result in significant premium increase or cancellation. An example might be an auto accident accompanied by a reckless driving or driving under the influence conviction.
Your automobile policy protection is extended to anyone you grant permission to drive your car. You do not need to explicitly provide permission, the other person only needs to have a reasonable belief that they are driving with permission.
The VIN number and description of the vehicle is needed. If there is a lien then the name of the lienholder and mailing address will be needed. It is usually most helpful to have the financing information with you when calling in the change.
If the person is a licensed driver living in the household, or if they are a regular driver of the vehicle, they need to be added to the policy. If they do not live in the household and only occasionally drive the vehicle with permission (a child in town for the holidays), they are covered under "permissible use" and do not need to be added.
This depends upon what type of coverage is requested. 14 days for liability only coverage, & 4 days for liability-comp-collision. It also depends upon what kind of form the insurance carrier follows. It is best to calls in to add the vehicle as soon as possible. If there is a loan or lease on the vehicle, the finance or lease company may need proof of when the vehicle was added to the policy.
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Home Owners FAQs

Many natural disasters, such as hurricanes or tornadoes, are covered in a homeowner policy. Others, like earthquake and flood are not. Let us know if you have any concerns about your protection from loss due to natural or even man made disasters; we'll be happy to review your insurance program and let you know what, if any, changes you might want to consider.
The association master policy is for coverage to the structure, which you don't need. However, to get protection for your own possessions and for legal liability related to your own unit, you need your own policy. Many condominium associations will assess unit owners for master policy deductibles. That's another reason why it is important to have your own policy and why it is important that the coverage in your policy match up well with the association master policy.
A standard homeowner policy provides coverage equal to 10% of the limit for Coverage C of a homeowner policy or $1,000, whichever is greater. This coverage is useful for protecting you while traveling and for other temporary situations. If you have property in excess of these amounts away from home or property that is kept away from your residence premises for extended periods, you should consider additional protection. The 10% limitation for household property, is for property at an Insureds Residence Premise......There is no limitation for property carried on vacation or stored in a storage unit. (except whatever the contents limit is on the property)
You can file a claim several ways. The best way is to contact the insurance company directly. For contact information by carrier, click here. You can also complete the File a Claim form on our website or call us.
The claim process has a few variations but these are the essential steps once the claim has been submitted to the insurance company: You will be contacted by an insurance company adjuster to gather detailed information about your claim. Often, someone from the insurance company will inspect your auto or property for damage or will ask you to provide evidence of value and ownership for loss to property that is not a vehicle or real property. An estimate is prepared. A check is delivered. Sometimes differences in actual and estimated damages arise, especially after repair work has been undertaken. Every attempt is made to resolve these differences and sometimes a supplemental check is prepared. Homeowner policies specifically exclude reimbursement for damage caused by flood. Your home may be a significant distance from a major body of water but still be exposed to flood risk if your home was built in a flood plain. The National Flood Insurance Program has a flood risk indicator on their website. All you have to do is enter your property address and you will get an indication of the degree of flood risk you face. Our agency can get flood coverage for you. For an indication of the cost, the National Flood Insurance Site also has a 'quick quote' table of premiums to give you an idea.
Renters policies provide several benefits. A renters policy will provide compensation for many types of loss to your personal property. Renters policies also include liability protection. This can be especially important because a fire, caused by your negligence, could damage a large number of other rental units and the property contained in them. Liability coverage will normally cover your legal obligations to compensate other parties in cases like this as well as for other instances where you are legally liable for damage of loss.
The claim process has a few variations but these are the essential steps once the claim has been submitted to the insurance company: You will be contacted by an insurance company adjuster to gather detailed information about your claim. Often, someone from the insurance company will inspect your auto or property for damage or will ask you to provide evidence of value and ownership for loss to property that is not a vehicle or real property. An estimate is prepared. A check is delivered. Sometimes differences in actual and estimated damages arise, especially after repair work has been undertaken. Every attempt is made to resolve these differences and sometimes a supplemental check is prepared. It is the responsibility of the insurance company to settle and pay your claim and the responsibility of our agency to make sure that is done as quickly and fairly as possible with a minimum of uncertainty and bother for you. We monitor claim progress closely and communicate with you throughout to make sure you are satisfied.
Generally the answer is no. One claim is not a cause for concern on the part of insurance companies. But a pattern of claims may result in a premium increase or cancellation. So if you have a claim that is the third in three years, for example, that will be viewed differently than having one claim only. Individual claims that are suggestive of gross negligence can also result in significant premium increase or cancellation. An example might be an auto accident accompanied by a reckless driving or driving under the influence conviction.
Typical policies provide coverage for you and relatives that live with you. So, if your roommate is not a relative you will not be protected under his or her policy. Renters policies are very affordable, starting at not much more than $150 a year and they provide liability protection as well as coverage for your personal possessions.
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Business FAQs

You can file a claim several ways. The best way is to contact the insurance company directly. For contact information by carrier, click here. You can also complete the File a Claim form on our website or call us.
The claim process has a few variations but these are the essential steps once the claim has been submitted to the insurance company: You will be contacted by an insurance company adjuster to gather detailed information about your claim. Often, someone from the insurance company will inspect your auto or property for damage or will ask you to provide evidence of value and ownership for loss to property that is not a vehicle or real property. An estimate is prepared. A check is delivered. Sometimes differences in actual and estimated damages arise, especially after repair work has been undertaken. Every attempt is made to resolve these differences and sometimes a supplemental check is prepared. It is the responsibility of the insurance company to settle and pay your claim and the responsibility of our agency to make sure that is done as quickly and fairly as possible with a minimum of uncertainty and bother for you. We monitor claim progress closely and communicate with you throughout to make sure you are satisfied.
That depends. A business auto policy by itself won't extend protection to rented autos unless you have amended it. You can get protection for situations where you rent autos if you add Hired Auto Liability and Physical Damage coverage.
That depends on the kind of business you engage in. All businesses need basic liability to protect them against acts of owners or employees for which the business might be considered legally liable. Professional service providers often need special liability protection. Examples might be professional liability protection for lawyers, doctors, architects or software designers. Another example are businesses that manufacture or distribute a product; they typically need product liability protection. It's always a good idea to review the kinds of liability exposures your business might have when updating or initiating an insurance program. Businesses that own autos or use non-owned autos in the conduct of their business will probably need a business auto policy. All businesses have property which can be divided up into several categories: office or other equipment, inventory, real property, etc. and it is a good idea to think about your ability to replace any damaged or lost property in these categories. If the possible amount of loss exceeds your comfort level then insurance might be a good alternative. You also need to think about how long you could afford to be out of business. Insurance, known as business interruption insurance, can pay suppliers, salaries and other costs you might incur even if your business income were to be interrupted by a covered cause of loss.
Generally the answer is no. One claim is not a cause for concern on the part of insurance companies. But a pattern of claims may result in a premium increase or cancellation. So if you have a claim that is the third in three years, for example, that will be viewed differently than having one claim only. Individual claims that are suggestive of gross negligence can also result in significant premium increase or cancellation. An example might be an auto accident accompanied by a reckless driving or driving under the influence conviction.
A cyber insurance policy is a financial product that enables businesses to transfer the costs involved with recovery from a cyber-related security breach or similar events. Typically, the most important aspect of cyber insurance will be network security coverage. This coverage will respond in the event of a network security failure – such as data breaches, malware, ransomware attacks and business account, and email compromises. However, the policy will also respond to liability claims and expenses of an attack or breach.
In fact, 60% of small businesses go under within six months of a cyberattack. Cyber insurance coverage helps your business recover from financial losses caused by cyberattacks and data breaches. Cyber attacks are becoming all too common in the business environment, with both small business and large corporations. The recovery can cause significant financial hardship.
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Claims FAQs

You can file a claim several ways. The best way is to contact the insurance company directly. For contact information by carrier, click here. You can also complete the File a Claim form on our website or call us.
The claim process has a few variations but these are the essential steps once the claim has been submitted to the insurance company: You will be contacted by an insurance company adjuster to gather detailed information about your claim. Often, someone from the insurance company will inspect your auto or property for damage or will ask you to provide evidence of value and ownership for loss to property that is not a vehicle or real property. An estimate is prepared. A check is delivered. Sometimes differences in actual and estimated damages arise, especially after repair work has been undertaken. Every attempt is made to resolve these differences and sometimes a supplemental check is prepared. It is the responsibility of the insurance company to settle and pay your claim and the responsibility of our agency to make sure that is done as quickly and fairly as possible with a minimum of uncertainty and bother for you. We monitor claim progress closely and communicate with you throughout to make sure you are satisfied.
If you own, lease (long term) or finance your vehicle then you will file a claim with your insurance company. You will have to pay any deductible amount. Payment for your loss will include payment to the finance or leasing company, if any. If you cause damage to other vehicles or property, your insurance company will handle that with little or no involvement on your part, in most cases.
Generally the answer is no. One claim is not a cause for concern on the part of insurance companies. But a pattern of claims may result in a premium increase or cancellation. So if you have a claim that is the third in three years, for example, that will be viewed differently than having one claim only. Individual claims that are suggestive of gross negligence can also result in significant premium increase or cancellation. An example might be an auto accident accompanied by a reckless driving or driving under the influence conviction.
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Recreational Vehicle FAQs

You can file a claim several ways. The best way is to contact the insurance company directly. For contact information by carrier, click here. You can also call us.
If you have a homeowner policy your boat might be covered but there are limitations. Automobile policies do not extend coverage to boats. Boat coverage can sometimes be increased by modifying a homeowner policy but a separate boat policy may be needed.
The claim process has a few variations but these are the essential steps once the claim has been submitted to the insurance company: You will be contacted by an insurance company adjuster to gather detailed information about your claim. Often, someone from the insurance company will inspect your auto or property for damage or will ask you to provide evidence of value and ownership for loss to property that is not a vehicle or real property. An estimate is prepared. A check is delivered. Sometimes differences in actual and estimated damages arise, especially after repair work has been undertaken. Every attempt is made to resolve these differences and sometimes a supplemental check is prepared. It is the responsibility of the insurance company to settle and pay your claim and the responsibility of our agency to make sure that is done as quickly and fairly as possible with a minimum of uncertainty and bother for you. We monitor claim progress closely and communicate with you throughout to make sure you are satisfied.
Generally the answer is no. One claim is not a cause for concern on the part of insurance companies. But a pattern of claims may result in a premium increase or cancellation. So if you have a claim that is the third in three years, for example, that will be viewed differently than having one claim only. Individual claims that are suggestive of gross negligence can also result in significant premium increase or cancellation. An example might be an auto accident accompanied by a reckless driving or driving under the influence conviction.
Insurance coverage can protect you from financial loss, in the event of a collision, theft, or accident-related lawsuit. ATV’S, UTV’s and golf carts are typically designed for off road use. Many people think that their homeowners insurance will provide coverage for ATVs and UTVs. However, any coverage homeowners policies offer is very limited and may depend where the ATV or UTV is used and what it is used for. Some states require insurance for ATVs operated on state-owned land and your homeowner policy may not protect you if you ride off your property. Your independent insurance agent can consider your individual circumstances and use to make sure you are properly covered. It is important to add coverage before you begin to use your ATV or UTV.
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Life and Health FAQs

You should review all of your insurance needs at least once a year. If you have a major life change, you should contact your insurance agent or company representative. The change in your life may have a significant impact on your insurance needs. Life changes may include: Marriage or divorce A child or grandchild who is born or adopted Significant changes in your health or that of your spouse/domestic partner Taking on the financial responsibility of an aging parent Purchasing a new home A loved one who requires long-term care Refinancing your home Coming into an inheritance Source: Insurance Information Institute www.iii.org
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General FAQs

Every insurance company offers different billing options.  You can call the company directly by accessing the phone number or website through this website under ‘Companies’ and speak directly to them regarding you billing change.  Or, you can call or email a customer service agent at BWO and we will make the changes for you.  414-768-8100 or select “contact’ us on this web-site and complete the short form to send your message.  

Our agency will need a copy of the death certificate, copy of POA (if not deceased yet), copy of Executor or Personal Rep paperwork, proof of sale (closing documents), & signature on cancellation form from the authorized signer.
It depends upon what types of quotes are requested, how many lines of business to quote, & current expiration date of client’s current policies (rewrites are usually on the policy renewal date). It may take longer depending if there are underwriting issues or losses.
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BWO will be closed Thanksgiving Day and the Friday following Thanksgiving

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