Business Owners

Running a business is hard enough without feeling like you need to be an insurance expert too. Don’t worry, Wilson Mutual and your Wilson Mutual agent are here to help with the best coverage options and plans on the market today. We recommend you discuss your needs in detail with your agent before making any decision.

In the meantime, we’ve included some useful information on the Wilson Mutual Businessowners Policy. You’ll find that we have a number of smart coverage plans available to protect your business.

 

• Building covered at replacement cost for risks of direct physical loss

• Contents covered at replacement cost for risks of direct physical loss, including theft

• Debris removal
• Fire department service charge
• Business income and extra expense
• Extended business income

• Pollutant clean-up and removal
• Building glass (exterior and interior)
• Property at newly acquired premises
• Newly acquired or constructed buildings

• Property off premises and in-transit
• Trees, plants and shrubs
• Personal effects
• Money and securities

• Employee dishonesty
• Water backup

 

 

• Personal injury
• Advertising injury
• Medical expenses
• Fire legal liability

• Host liquor liability
• Non-owned watercraft liability
• Contractual liability
• Worldwide products liability

• Cost of bail bonds
• Cost of bonds to release attachments
• Loss of earnings to assist in defense of a claim
• Prejudgment interest

 

 

Increased limits available for the following

• Accounts receivable
• Valuable papers and records
• Debris removal additional limit
• Ordinance or law coverage
• Computer coverage
• Off premises power failure – direct damage and time element

• Fine arts coverage
• Fire extinguisher recharge
• Spoilage or contamination by a refrigerant
• Customers' property on premises
• Pollutant clean-up
• Water backup

• Fire department service charge
• Trees, plants and shrubs
• Newly acquired or formed organizations

Contractors Extension Endorsement

• Tool floater
• Contractors installation floater
• Leased, rented or borrowed equipment
• Care, custody or control coverage
• Additional insured, lessor of leased equipment – automatic status when required in lease agreement with insured

• Products-completed operations – two times the Liability and Medical Expenses limit
• Amendment of aggregate limits of insurance per project
• Pollution coverage

 

As a businessowner, you know the value of hiring the right people with the right skills to help make your business successful. Although you can't really know if that candidate for your newest job opening is the one, you can help reduce the risk of hiring someone with a criminal record by performing a criminal background check.

Fast, easy, affordable background checks
As a Wilson Mutual policyholder, you can help reduce your exposure to some of the uncertainty that comes with the hiring process. Wilson Mutual has teamed up with IntelliCorp Records Inc. to provide customers with pre-employment background checks at a reduced cost.

A leading national provider of background checks, IntelliCorp has packaged some of its most popular products at a reduced rate, which include:

• Nationwide Criminal Search
• 50-State Sex Offender Registry
• Social Security Address Check
• Terrorist Search – Identifies people and organizations involved in terrorism and international narcotics.
• Assists in meeting OFAC requirements.
• One Single-County Check – Criminal records held at a county-seat level that generally include felony and/or misdemeanor records. Useful when a more comprehensive and/or current database search is necessary.

 

It's easy to get started. Simply visit IntelliCorp's Web site and follow the registration instructions. To receive your reduced-cost pre-employment background check, enter promo code MIGWM when prompted.

 

You have a lot to deal with just in the day-to-day operations of your business, and you might not have the time or resources to stay up to date with new federal regulations designed to protect your customers from identity theft.

The new stipulations are part of the Fair and Accurate Credit Transactions Act of 2003, and require businesses offering any kind of "covered account" or payment account to create their own identity theft "Red Flag" plan -- or warning signs that indicate possible identity theft.

We're presenting informational resources to you in the form of a planning guide and frequently asked questions that can help you create your unique Red Flag plan.

 

The regulation defines a covered account as:

• An account primarily for personal, family or household purposes that involves or is designed to permit multiple payments or transactions, or;
• Any other account for which there is a reasonably foreseeable risk to customers or the safety and soundness of the financial institution or creditor from identity theft.

 

Because your business’ needs are unique, your plan will need to be tailored to your operation. You should consult legal counsel or your business association about specific issues of your plan.

 

 

No coverage is provided by this Web site. This Web site only illustrates coverages offered under the Wilson Mutual Businessowners Program. It is not a statement of all policy coverages, provisions, conditions, or changes. Certain deductibles, provisions and limits may apply. Please see your Wilson Mutual agent for a complete listing of policy coverages and provisions. If there is a conflict between this Web site and the policy, the policy provisions shall prevail.