Submitting a Commercial Property Claim

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If you are a Wisconsin business owner, you are required to carry commercial insurance to protect your company. Most business owners understand the value of working with an experienced insurance agent, especially when selecting coverage that fits their needs. If your company is near Baraboo, WI, our team at Johnsen Insurance is ready to help. We have been serving Wisconsin businesses since 1965.

Submitting a Commercial Property Claim

If your business property is damaged by a disaster, theft, or vandalism, you will need to file a commercial property claim to receive funds for repairs. Many insurance carriers offer online claim forms that can be completed through their websites. Some companies may prefer that policyholders submit claims by phone.

According to the U.S. Chamber of Commerce, providing complete and accurate information helps your claim move through the approval process more quickly. Include photographs that clearly show the damage to your property. If witnesses saw the incident, ask them to provide statements. Including notarized copies of these statements can strengthen your claim. If your loss involves theft or another criminal act, you must file a police report and include the report number with your documentation.

Call Us Today for Your Appointment

Your business represents your hard work and goals, and it plays an important role in your employees’ lives. At Johnsen Insurance, we can help you find the right commercial insurance at a price that fits your budget. Business owners in the Baraboo, WI, area have trusted our team for more than 60 years. Contact us today to schedule an appointment and learn how we can support your company’s insurance needs.

Will Your Home Insurance Cover a Fire From Your Side Hustle

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Are you running a side hustle from your home? Perhaps you’re selling T-shirts you printed for a local fundraiser or business, or creating products using equipment in your basement or garage. In these situations, it’s essential to ensure your home insurance provides adequate protection in case of a fire or other unexpected event.

At Johnsen Insurance, we help residents in Baraboo, WI, find home insurance that matches their unique needs and risks. Let us help you determine the best insurance coverage for your situation.

Protecting Business Equipment

If you have valuable equipment in your home that you use for business purposes, even for a small business or side hustle, it’s important to inform your insurance company. Your insurer can customize a policy to include coverage for that equipment, offering several key benefits.

First, if a fire or another event occurs, your home insurance can cover the damage and losses related to your business equipment. This is crucial, as some policies exclude coverage for business-related items or equipment deemed hazardous.

Second, having coverage ensures your equipment is protected and can be replaced if necessary. Your policy can include a floater or rider to cover these items, allowing you to continue using or replacing them in the event of a loss.

The bottom line is that you need to communicate with your insurance agent. Share details about the type of equipment you have, its value, and any associated risks to ensure proper coverage.

Let Our Team Guide You in Proper Insurance Protection

If you need to update your home insurance in Baraboo, WI, contact our team today. At Johnsen Insurance, we’re here to help you secure the protection you need for peace of mind.

RV Insurance for a New Vehicle Purchase

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Purchasing a recreational vehicle (RV) can be a dream. It means taking on the open road and enjoying life the way you want to do so. However, before you can pull off the lot, you’ll need to consider the types of insurance you need to protect your investment. RVs are unique because they serve as a home and a vehicle, and that means they may need to meet some specific requirements.

At Johnsen Insurance, we can help you get into the most appropriate RV insurance for your needs. If you are thinking about buying an RV in or near Baraboo, WI, let us offer a quote to you.

What to Expect When Obtaining RV Insurance for Your New Vehicle

When you purchase RV insurance, keep in mind that your policy options range widely. You’ll have a consultation with a professional who can go over each one of those options with you. Some of the types of coverage often beneficial for new RV purchases include:

  • Liability: Like every other car on the road, liability coverage is essential and a legal requirement.
  • Collision insurance: Collision insurance provides financial assistance to you in situations where you cause damage to your vehicle yourself, such as by backing into a structure. Fault is not applicable here.
  • Comprehensive insurance: Your RV coverage should include comprehensive coverage, especially if you have a loan. It covers non-collision-related incidents like theft or vandalism.

In addition to this, ask your insurance adjuster about other types of add-on policies that may work for you. That may include personal belongings, roadside assistance, and emergency expense coverage.

Set Up a Quote with Us

At Johnsen Insurance, we will work with you as you prepare for your purchase to get into an RV insurance plan in Baraboo, WI, that fits your specific risks.

Does Riding Without a Helmet Void Motorcycle Insurance?

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There is a common misconception that all Wisconsin motorcycle riders are required by law to wear a helmet. Though state law requires some motorcyclists to wear a protective helmet, the average rider does not have to wear one. Learn more from the professionals at Johnsen Insurance, serving Baraboo, WI, and surrounding areas.

Wisconsin Motorcycle Helmet Laws

The state of Wisconsin requires those under the age of 18 who are motorcycle riders or passengers on a motorcycle to wear a helmet. Moreover, the state also requires those who have an instructional permit, as opposed to a license, to wear a helmet.

If you are a licensed adult motorcycle rider over the age of 18, it is your decision as to whether you wear a helmet or not.

Motorcycle Insurance and Helmets

In the event of an accident, your coverage will likely apply even if you are not wearing a helmet. As long as you and your passenger are over the age of 18 and you have a Wisconsin motorcycle license as opposed to an instructional permit, you’ll likely be covered.

However, if it is proven that you were under the age of 18 at the time of the accident, your motorcycle insurance policy might not be applicable. Moreover, if it can be proven your passenger was under the age of 18 at the time of the accident, the entirety of your coverage might not apply.

Furthermore, if you didn’t take the extra step of getting your Wisconsin motorcycle license after obtaining an instructional permit in Baraboo, WI, your insurance coverage probably won’t apply.

Of course, if you are riding your motorcycle outside Wisconsin, that state’s helmet laws will apply to you, so know the rules when you drive across state lines. 

Additional Considerations

There is a chance that the insurance company will make a failure to mitigate argument. If the insurer insists the accident injuries wouldn’t have been as severe had you been wearing a helmet, there might be an attempt to reduce your financial compensation.

However, in general, if you are over the age of 18 and properly licensed, your coverage will likely be applicable in the unfortunate event of a motorcycle accident in Wisconsin.

Contact Johnsen Insurance for a Quote

Are you considering buying a motorcycle in or near Baraboo, WI, or already own a bike? We have your insurance needs covered. Give us a call today for your customized quote.

Your Boat Is Paid for — Should You Keep Your Insurance?

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Although boat insurance is not required for boat owners in Baraboo, WI, there are situations when coverage is required. This is the case when a boat is financed and the lender requires coverage, so the investment is secure. But what about boats owned free and clear? If the state doesn’t require insurance, then why get it? When you speak with one of our agents at Johnsen Insurance, we will go over the advantages of having boat/watercraft insurance. 

Benefits of Boat Insurance

Buying a boat is a big investment, and one you expect to provide entertainment for a long time. Like any financial investment, maintenance and upkeep are important to keep the investment in top condition. This includes having insurance for unexpected incidents. Without adequate coverage, it will be up to you to cover all costs out-of-pocket, which can significantly impact your finances. 

But if you have insurance, you’ll be covered if your boat is damaged due to an accident, theft, severe weather, or vandalism. Your insurance will also step in if your boat is involved in a situation that leaves it a total loss. 

If you cause an accident with another boater, you may be liable for the damage incurred by the other person’s property. You may also be liable for the medical bills for the other person or people involved in the accident. There is also the possibility of a lawsuit being filed against you. With liability coverage, you’ll have help with legal fees. 

Another thing to consider is that without insurance, you may not be able to dock at local marinas that require liability coverage.

Contact Our Team

At Johnsen Insurance, our team will help keep your boat afloat in Baraboo, WI, with the right policy that provides the coverage you need. 

3 Reasons To Consider Life Insurance When Starting a Family

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When you start a family, it’s important to ensure that your children and spouse are cared for, even if something happens to you. The professionals at Johnsen Insurance, serving Baraboo, WI, can help with that. We work with many insurance carriers to help our customers find a life insurance policy that works for them. If you’re starting a family and considering life insurance, here’s what you need to know. 

How Does Life Insurance Work?

Life insurance pays a benefit to your beneficiaries upon your death. Many people get life insurance when they’re starting a family because they want to ensure that their partner and children will have financial resources to maintain their quality of life, even if they die. 

Why Consider Life Insurance When You’re Starting a Family?

There are many reasons to consider life insurance when you’re starting a family. 

  • Life insurance provides financial protection to the ones you love. The benefit that is paid to beneficiaries is often used for big expenses like school tuition, mortgage payments, medical bills, and time off work. 
  • Life insurance can provide peace of mind. As a new parent, you’ll have peace of mind knowing that life insurance will be there to provide for your loved ones if you’re not. 
  • Term life insurance is relatively affordable for most people. This type of policy covers you for a specific period, such as 20 years. Many young people get term life insurance because it is more affordable than permanent options, which cover you for your entire lifetime. 

Want Life Insurance? Call Us

If you want life insurance, the professionals at Johnsen Insurance, serving Baraboo, WI, can help you find the right policy for your needs. We work with many insurance carriers to help you find a policy that fits your needs and budget. 

Auto Insurance Incentives Your Policy May Provide

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Being rewarded for safe driving and having the option to bundle insurance products are two incentives worth considering. Review the incentives offered by your provider and adjust your auto insurance policy if needed.

Safe Driving Practices

There are several ways to reinforce safe driving habits, which may lead to perks from your auto insurance provider. Enrolling in a defensive driving class is one effective way to promote safe driving.

During the class, you will learn techniques to stay alert and safe while navigating busy roadways. You will also gain valuable knowledge about handling severe weather conditions while driving.

Installing safety devices in your vehicle and scheduling regular maintenance are additional ways to enhance safety. If you adopt any of these measures, be sure to inform your insurance provider. Your policy can be updated to reflect the proactive steps you are taking to ensure safety.

Bundling Insurance Products

Bundling insurance products can simplify managing your coverage and may also result in lower premiums. If you are considering additional types of insurance beyond auto coverage, bundling them together might be a smart choice. This approach allows you to consolidate multiple types of coverage into a single policy.

Consulting an Agent at Johnsen Insurance

To explore more ways to maximize your insurance benefits, contact one of our agents today. An agent serving Baraboo, WI, will be happy to provide information about the various auto insurance options available. After consulting with them, you can secure a policy tailored to your needs.

Business Insurance for Child Care Providers

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If you’re a business owner, protecting your business assets with commercial insurance is essential. Many business owners need guidance when selecting the best insurance options for their needs. If your business is near Baraboo, WI, our team at Johnsen Insurance can help you make informed decisions. We’ve been working with companies like yours since 1965.

Business Insurance for Child Care Providers

If you operate a childcare business in your home, liability insurance is a must. If someone is injured at your home, a liability insurance policy can protect you from legal and financial consequences. While your homeowners’ insurance may cover damage to your home, you’ll need a separate property insurance policy to cover damage that occurs during childcare services. You may not think of your childcare service as a business, but legally, it holds the same status as any other small business.

According to Wisconsin state law, if you care for four or more children under seven years old, you must obtain a Day Care license. Additionally, the Wisconsin Commissioner of Insurance states that Day Care insurance does not cover activities involving the transportation of children in a motor vehicle. The cost of these policies varies depending on the amount of coverage you need. If you have questions about daycare insurance policies, one of our experienced agents can provide answers.

Call Us Today for Your Appointment

Every business needs commercial insurance to protect its assets. At Johnsen Insurance, we offer the unique insights your business requires. Companies in Baraboo, WI, have trusted our team for client support for over 60 years. Call us today to schedule an appointment, and let us help protect your business.

The Importance of Tree Trimming For Home Insurance

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When most people think of home insurance, they envision policies, premiums, and protection from events such as fire or theft. However, at Johnsen Insurance in Baraboo, WI, we understand that maintenance plays a crucial role in preventing costly claims, and one often-overlooked task is tree trimming.

Why Tree Trimming Matters

Trees add beauty and value to your property, but they can also pose serious risks. Overgrown branches can damage roofs, break windows, and even fall on vehicles or power lines during storms. Insurance policies don’t always cover damage caused by neglect, meaning an untrimmed tree could cost you more than just cleanup—it could lead to denied claims.

By trimming trees regularly, you reduce the risk of accidents and demonstrate to your insurance provider that you’re taking steps to protect your property. It’s part of being a responsible homeowner, and insurers take notice.

Insurance Impacts You Might Not Expect

Many homeowners don’t realize that tree-related damage to a neighbor’s property might also fall under their responsibility. If a dead or leaning tree from your yard crashes into someone else’s home, you could be held liable. Regular inspections and maintenance aren’t just good practice—they’re essential for reducing liability.

In some cases, insurance companies may inspect your property and recommend tree trimming before offering or renewing coverage. Failing to follow these recommendations could result in higher premiums or even policy cancellation.

Protect Your Home and Your Wallet

Tree trimming might not be the first thing that comes to mind when thinking about home insurance, but it’s a simple way to protect your investment. For more tips on keeping your home safe—and covered—contact Johnsen Insurance in Baraboo, WI. We’re here to help you safeguard what matters most.

Does RV Insurance Cover You When You’re Parked?

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If you’re an RV owner, you know that life on the road comes with its share of surprises. But what about when your RV is parked? At Johnsen Insurance, servicing Baraboo, WI, we often hear one big question from RVers: “Am I covered when my RV is parked?” The short answer is yes, but there are a few important details to keep in mind.

Parked Doesn’t Mean Risk-Free

Just because your RV is stationary doesn’t mean it’s out of harm’s way. Accidents, weather damage, theft, or even fires can occur while your RV is parked at a campground, in a driveway, or in storage. That’s where your RV insurance comes into play. Most policies offer comprehensive and collision coverage that applies whether you’re driving or not.

Coverage Depends on How You Use Your RV

If your RV serves as your full-time home, your insurance needs will differ from those of someone who uses it only for weekend getaways. Full-time RV coverage typically includes elements similar to homeowners insurance, such as personal liability and coverage for your belongings. On the other hand, if you’re a part-time traveler, your policy may focus more on travel-related risks. Either way, it’s essential to ensure your policy reflects how and where you use your RV.

Peace of Mind, Even When Parked

You’ve invested a lot in your RV, and protecting it shouldn’t stop when the engine does. Understanding your coverage while parked ensures you’re not caught off guard when unexpected events occur.

At Johnsen Insurance, servicing Baraboo, WI, we specialize in helping RV owners find the right coverage for every situation—whether you’re cruising down the highway or relaxing at your favorite campsite. Reach out today, and let’s make sure you’re protected, wherever you park.