Business Insurance


BWO of Elkhorn Speaks the Language of Business Insurance

For everyone who owns a business in Elkhorn, Lake Geneva, and Delavan or anywhere in Walworth County, protecting and safeguarding that business is a huge priority. If any aspect of protecting your business is important to you, it is important to us!

BWO of Elkhorn can custom tailor a comprehensive business insurance policy to best fit your company’s unique needs. As independent agent, we choose the plan that is best for your particular needs. As there are so many types of businesses, we can work with you to tailor make a policy for any situation to include:

Offices, Condominium Associations, Retail or Wholesale Stores, Apartment Owners and Property Managers, Barbers or Beauty Shops, Builders and Contractors, Daycare Centers and Restaurants are just some of the few specific small to medium sized businesses that require a Business Owners Policy, also known as a BOP. Depending upon your BOP, BWO of Elkhorn can specifically tailor make a policy for you and your exclusive needs.

BWO of Elkhorn Property Policy Coverage Options

BWO of Elkhorn standard property policies typically provides coverage for the replacement cost or the actual cash value of a damaged building. The replacement cost coverage is typically protected under the business personal property policy. Our Special Property Policies will provide you with the same amount of protection, however, the business personal property policy will also protect your money and securities.

There are a variety of additional coverage options we offer at BWO of Elkhorn that can be added to your BOP. The list is very extensive and this is just a sampling.

  • Debris Removal
  • Fire Department Service Charge
  • Seasonal Increase for Business Personal Property (Dependent on the Season
  • Business Income
  • Equipment Breakdown
  • Extra Expenses
  • Newly Acquired Premises
  • Outdoor Property
  • Collapse – Special Property Coverage Form
  • Water Damage – Special Property Coverage Form
  • Personal Property Off Premises
  • Spoilage


BWO of Elkhorn businesses the following Liability Coverage Options:

  • Bodily Injury
  • Medical Expenses
  • Personal Injury
  • Limited Contractual Liability
  • Property Damage
  • Advertising Injury


Have a special insurance need? Let BWO of Elkhorn provide these Additional Coverage Options under a BOP, including:

  • Contractual Liability
  • Damage to Premises Rented to You
  • Incidental Medical Malpractice
  • Broad Form Property Damage
  • Off Premises Mobile Equipment
  • Premises-Operations
  • Products & Completed Operations
  • Contractual Liability
  • Personal & Advertising Liability
  • Premises-Medical Payments
  • Host Liquor
  • Voluntary Property Damage
  • Blanket Contractual Liability
  • Explosion-Collapse & Underground Liability
  • Per Project Aggregate Limit
  • Employees as Additional Insured’s
  • World Wide Products Coverage
  • Blanket Contractual
  • Defense Costs
  • Attached Outdoor Signs
  • Fire Legal/Tenant Fire Liability
  • Accounts Receivable
  • Computer, EDP equipment, Data, Media, Phones
  • Valuable Papers & Records
  • Personal Effects
  • Non-Owned Personal Property
  • Business Personal Property in Transit
  • Newly Acquired or Constructed Property
  • Arson Reward
  • Fire Extinguisher Recharge Coverage
  • Automatic Coverage
  • Hired & Non-Owned Auto Liability
  • Money & Securities
  • Non-Owned Water Craft

Have we missed something with this list? BWO of Elkhorn probably has it!


Your Deductible Options Can Include:

  • Increased Limits (Liability, Fire Legal Liability)
  • Builders Risk
  • Burglary & Robbery
  • Automatic Increase Building Insurance
  • Exterior Glass
  • Condominium Directors & Officers Liability
  • Contractors Errors & Omissions
  • Liquor Liability
  • Employee Dishonesty
  • Employment Benefits Liability
  • Outdoor Signs
  • Building Ordinance Coverage
  • Earthquake
  • Professional Liability
  • Refrigerated Products/Food Spoilage
  • Voluntary Property Damage
  • Water Backup of Sewers or Drains


Does BWO of Elkhorn Carry Additional Coverage Options? Yes we do!

  • Workers’ Compensation
  • Boiler & Machinery
  • Builders Risk
  • Commercial Automobile
  • Business Life Insurance Plans
  • Commercial Umbrella
  • Bonds
  • Pensions
  • Special Events
  • Tax Deferred Plans
  • Group Life and Health Plans

BWO of Elkhorn offers the most comprehensive business insurance packages at a competitive price. We will put together all of the essential information about your business and design the perfect business insurance plan for your needs.

We are always happy to provide no-obligation advice and information for your business! Let BWO of Elkhorn be your valued business insurance partner.

Contact Us

N5860 US Highway 12 Suite C
Elkhorn WI 53121