Commercial Insurance

Sagen & Associates offers a number of commercial insurance products through a vast selection of top-rated carriers to ensure all of your business assets are properly covered, and covered at the best possible rates available today.


Commercial Auto Insurance

Commercial auto insurance serves as protection against liability for bodily injury and property damage in connection with your ownership, maintenance, or use of vehicles involved in your business. Many different types of vehicles in addition to trucks can be covered on the commercial auto insurance.  Vehicles with attached equipment such as a well driller or bucket trucks can also be included. Your business may also need “non-owned and hired” auto liability coverage for vehicles your employees use or that you rent or borrow.

Business owners with  more than five vehicles can be considered a “fleet”, and as such, become eligible to receive an insurance rate consideration. Having an ‘active drivers list’ clean of violations and accidents will also reduce your commercial auto insurance costs.

Utilizing a responsible maintenance program, carrying claims kits in all vehicles and taking part in professional driver training programs have proven to reduce losses for Wisconsin businesses.

Sagen & Associates will annually review your account to keep it up to date with any changes.

Commercial Property Insurance

Commercial property insurance serves as protection against liability for bodily injury and property damage in connection with your ownership, maintenance, or use of a physical property used in your business. Many different types of property can be covered on a commercial property policy.

Utilizing a responsible maintenance program and on-site safety practices have been proven successful in reducing financial loss for many Wisconsin businesses.

Contact an experience commercial agent with Sagen & Associates for more information on this product and coverage options. Sagen & Associates annually reviews your account to keep it up to date with any changes.

Workers Compensation

Workers Compensation insurance protects a Wisconsin employer from liability for an injury or illness involving an employee while actively at work.  It covers medical bills, a portion of lost wages, schooling, and death benefits. The coverage amount is established by state law and benefits don’t vary from company to company.

Sagen & Associates’ emphasis on close attention to detail in insurance policies really pays dividends when a need to make a claim arises. We follow the claim through every stage and make sure that the claim is paid fully, fairly and promptly. We recognize that buying insurance involves a promise and that it’s our job to make sure that promise is kept.

Sagen & Associates Insurance has many different markets that allow us to offer competitive dividend plans for both large and small businesses in Wisconsin.

Our companies provide loss control services to help our clients minimize their exposure to loss. Our experience in working closely with the insurance market locally is focused on negotiating the best possible terms for our client, with insurers reputable and stable enough to honor their policy commitments.

Wisconsin workers compensation insurance covers all the employees of the business. Special provisions must be made if an employee works out of state. It may cover the business owner if the business is a corporation and the owner is actively involved in the business.

Business Owners Insurance

A commercial insurance policy that packages property, liability and special endorsements that broaden coverage into one convenient policy is known as a Business Owner’s Policy or BOP.

  • Liability Coverage In Your BOP

Liability Coverage in a BOP is similar to what you may find in a commercial general Liability policy.A BOP may be more limited in its range of coverage than what is available in a stand-alone policy. Premiums for an average small business are very reasonable. You should be sure to explain all areas of your business to make sure every exposure is covered. The insurance company will offer additional coverages as an add-on to the BOP. At times you may need to purchase an additional policy to cover exposures not available on the BOP.

  • Property Insurance Coverage In Your BOP

Property insurance coverage will be included in the BOP, including buildings, personal property, inventory, etc. Others coverages to consider are business interruption, equipment breakdown, ordinance or law, sewer and water backup, property of others, signs, money, securities and employee dishonesty.

  • Special BOP Programs

Many insurance companies offer special programs for target markets.  Some common business are restaurants, hotels, offices, metalworkers, well drillers and churches. Frequently insurance companies will partner with trade associations to offer members increased benefits and premium considerations.

Contractors Insurance

Insurance coverage for the small contractor performing general remodeling, the larger contractors including home construction and specialty trade and artisan contractors. Whether you are a small Wisconsin or Illinois business owner or a multi-million dollar construction firm, we can offer affordable insurance coverage that meets your requirements.

We also offer General Liability and Professional Liability Insurance policy options, and more. So, contact one of our experience Commercial Insurance associates today for more information, and see how we can help you cover any gaps you might currently have or save some money.