Services
- Auto Insurance
- Business Insurance
- Life and Health
- Homeowners Insurance
Auto Insurance
Having the right auto insurance policy can help protect you financially if you are involved in an accident or your vehicle is damaged. An auto insurance policy is designed to provide you with a layer of protection against property, liability and medical costs following an accident. But choosing the right auto insurance can be overwhelming. Reach out to our agency today to learn more about auto insurance and find the policy that’s right for you.
What Do Auto Insurance Policies Cover?
Depending on the policy you choose, your coverages will vary. Here are some of the most popular coverages:
- Collision insurance—This portion of your policy helps cover damage costs if you are involved in a collision.
- Liability insurance—If you are at fault in a wreck, this type of coverage helps insure you against any damage you cause others. Most states, including Wisconsin, require drivers to carry minimum amounts of liability insurance. There are two kinds of coverage included in liability insurance:
- Property damage liability—This coverage helps pay for damage to the other driver’s property (e.g., their car).
- Bodily injury liability—This coverage helps pay for medical bills and sometimes death benefits for the other person involved in the wreck.
- Value Care— Insurance is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.
- Uninsured/underinsured motorist insurance—This type of coverage helps you cover the cost of damages caused by someone who doesn’t have adequate auto insurance, specifically liability coverage.
- Comprehensive insurance—This portion of your policy covers damages that are not related to a wreck, such as theft, weather damage or vandalism.
There may be additional coverages that will be necessary based on your unique situation. Be sure to ask our agency how we can tailor your auto coverage to your needs.
How to Get Auto Insurance
ValueCare Insurance is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.
Business Insurance
Business insurance, also called commercial business insurance or commercial insurance, is insurance coverage designed to cover a business, including its employees and ownership. There are a wide variety of different types of business insurance available.
Having the right commercial insurance policies is a significant component of a comprehensive risk management strategy that can help protect your business’s finances. Our agency is here to help you with all of your business insurance needs. Call ValueCare Insurance today to learn more or to get a free, no-obligation quote.
Business Insurance Policies
Every business’s insurance needs vary and may be influenced by company size, location, number of employees and industry. A few standard policies businesses may carry include the following:
- General liability insurance—A policy can provide coverage for claims of bodily injury or other physical injuries, personal injury (libel or slander), advertising injury and property damage. It can be offered as a package policy with other coverages such as property, crime, automobile and more.
- Business property insurance—Also called commercial property insurance, this coverage helps pay for damages to your company’s equipment and property after a covered accident or incident.
- Business interruption insurance—If your business must shut down or cease operations due to a covered incident, this coverage can help replace lost income and pay for extra expenses incurred during the shutdown.
- Commercial auto insurance—If your company has vehicles, you will likely need to secure a commercial auto insurance policy to properly insure any fleet members or employees who are drivers for your organization.
- Professional liability insurance—This type of policy provides coverage if anyone makes a claim of negligence, misrepresentation or inaccurate advice against your business.
- Workers’ compensation insurance—This coverage can help employees who become injured or ill due to a work-related incident receive replacement income, medical benefits and other financial assistance if they cannot work. Most states require that employers carry workers’ compensation insurance.
Depending on your business and industry, you may need to purchase other insurance policies for proper coverage. Contact ValueCare Insurance today to discuss your insurance needs.
How to Get Business Insurance
If you need business insurance solutions, we’re here to help. Give ValueCare Insurance a call today to get started.
Life and Health
Life and Health Insurance
Accidents and illnesses can happen unexpectedly and lead to serious health problems. Whether circumstances leave you fighting for your life or with a long recovery road ahead, if something happens to you, it’s critical to have proper insurance coverage to take care of yourself and your loved ones.
What Is Health Insurance?
Health insurance is an essential coverage that can help you access doctors and hospitals, and pay for medical expenses, such as prescriptions, treatments and preventive care. There are many different options when it comes to health insurance plans, such as the following:
- Individual
- Family
- Group health
- Vision
- Dental
- Disability
- Long-term care (LTC)
- Medical spending accounts (e.g., health savings accounts, flexible spending accounts and health reimbursement arrangements)
Health insurance plans can be adjusted or augmented to take into account your budget and medical needs.
What Is Life Insurance?
In the event of your death, life insurance can assist survivors with various expenses. This coverage provides a predetermined sum of money to the policy’s beneficiary, which may be essential for keeping your family and loved ones afloat financially after your death.
The two most common types of life insurance are:
- Term life insurance—This kind of policy only provides coverage temporarily. Your insurance will include protection during a specific period and will be paid out if your death occurs during that time.
- Permanent life insurance—This coverage remains active throughout your life and will pay out the full amount as long as you continue to pay your premiums. In addition, these policies accumulate cash value, meaning it may be able to provide a gradual source of income to the beneficiary.
While term and permanent life insurance are the most common policies, there are others that our agency can help you explore.
Protect Yourself With the Right Coverage
Even people in good health can be blindsided by an unexpected accident or unforeseen circumstances. In these situations, the right health and life insurance policies can provide your family with financial stability and peace of mind. Contact Valuecare Insurance today to receive a quote and learn more.