Business Insurance in Waupun, Plymouth, Ripon and Oshkosh WI

Lower your business insurance costs with these tips

Lots of people nowadays look for different ways to reduce the cost of their business insurance policies. If you find yourself in this situation, here are some useful tips that can help you do that.

First of all, you can adopt a consistent safety plan which should include the elimination of hazards that can become claims. It is also recommended that you develop a tracking system to make it easier for you to follow the safety plan and maintain it. This way, you will be able to show your insurer that your employees are properly instructed, and it also reduces the risk of injury.

Another way to reduce the price of business insurance is by constantly checking to see whether an employee that appears on your policy is still working for your company. This can result in significant saving if the loss of an employee lowers the risk.

In addition, you can hire an insurance adviser to make a proper assessment of your company, and also discuss with your insurance company about all the aspects of your policy. Even though at first this may seem to be an extra cost, in time most of the entrepreneurs who contacted the services of such a person recovered their money through the lower price they had to pay for their insurance policy. They are also available in most of the countries, even in areas such as Fond du Lac, Ripon, Wwaupn, Oshkosh, and Plymouth.

Furthermore, you should include a training program that all of your employees should take. Lots of insurance companies offer great price discounts for businesses that have their employees trained, because by doing this they will learn how to protect themselves and also how to be more efficient at their workplace.

Cheap car insurance vs. Valuable car insurance | Fond du Lac

A common request we at Behnke Insurance Agencies of Fond du Lac get is “Can you find me the cheapest car insurance?” We’re always happy to check around for our customers and prospects, asking each of our partnered companies what they can offer. However, a distinction needs to be made about “cheap car insurance”.

Here’s a good example of cheap car insurance: I keyed my information into a popular company’s online system and it recommended a policy for me. I’d save 50% on my annual insurance! But, their recommended policy eliminated or reduced all but one of the standard coverage options I had before. This is cheap insurance because it costs very little AND it doesn’t meet my needs.

A difference is valuable insurance. As your life situation changes and your nest egg grows, your protection should grow with it. Each policy is personalized to your unique needs. The most valuable part of the insurance you buy from Behnke Insurance is the agent you get to work with directly. We find the best price among quality companies we represent, ask you about your coverage needs and make recommendations based on these needs. The final option is always yours, but we have a teaching responsibility to each of our prospects and customers. Valuable insurance makes you feel better because it gives you peace of mind at a competitive price.

If you’re looking for cheap car insurance, let us know and we’ll tell you about something better: valuable car insurance.

**Stop in, email or call a Behnke Insurance agent for details**

Fond du Lac Life Insurance Questions 6/4/2014

Today’s post will describe some different Fond du Lac life insurance questions we’ve received in the past week. These turned out to be some pretty common life insurance questions, so I hope this Q&A section benefits you.

Question 1: I qualified for the standard life program. Can I attempt to requalify for their preferred program, which features lower premiums?

Answer: Yes. You may submit to a reexamine upon renewal. A great reason to do this is if you recently gave up smoking and all tobacco usage. With most companies, if you are smoke free for 2 years, you can move to a much less expensive program.

Question 2: What’s a contingent beneficiary?

Answer: Your primary beneficiary is the person who receives your life insurance policy’s death benefit. Your contingent beneficiary is who receives the death benefit if both you and your primary beneficiary die from the same accident. Check with your agent and your policy for details of the timing.

Question 3: Who should have life insurance?

Answer: Anyone who wants to provide financial assistance after death. The big three reasons are: 1. to pay off loans or a mortgage if I die, 2. to support my children’s education if I die and cannot provide an income stream, 3. to pay for funeral expenses, which average $8,700 in Wisconsin. The earlier you purchase life insurance, the lower your price will be. It can save to be proactive!

Contact a professional at Behnke Insurance for inquiries in Fond du Lac, Oshkosh, Waupun, Ripon and Sheboygan area.

Fond du Lac Motorcycle Insurance 6/3/2014

This post is going to be all about the types of Fond du Lac motorcycle insurance questions we get here at the office. It’s definitely riding season now and the Harley Davidson bikes and sporty bikes are ready to roll.

Question 1: I want to remove coverage for the winter season when my bike is in the garage. Can I do that?

Answer: We strongly recommend against this. While you can cancel a policy at any time, the trouble comes when reapplying for the motorcycle insurance. Most companies don’t like to play the “motorcycle game” and will charge more or refuse coverage. Additionally, motorcycles are not eligible for Comp Only coverage where liability protection is removed.

Wisconsin companies do lower the price of motorcycle insurance to compensate for the needed “Winter Discount”. A quick comparison showed me that the same coverage is: Wisconsin $557/year vs. Alabama $962/year vs. Florida $1,356/year. While it does seem unfair that you cannot remove winter coverage, you are being compensated for it.

Question 2: My bike has accessories. Are those protected?

Answer: Yes we can protect those. Let us know the amount of protection you need and retain receipts and photos of the items. This includes chrome packages and non-stock bags.

**Call a Behnke Insurance professional agent for details**

Fond du Lac Home Insurance Questions 6/2/2014

This post is about the different Fond du Lac home insurance questions that Behnke Insurance’s professional agents answered recently.

Question 1: Can I change my home deductible?

Answer: Yes. When you raise your deductible, your home insurance price goes down. When you lower your deductible, your home insurance price goes up. Some people prefer a $500 deductible, the $1,000 deductible is probably our most popular choice, some people are very happy with a $2,500 deductible. There are many options, call our Fond du Lac insurance office today.

Question 2: I close on a house purchase in 20 days, what can I expect? What do I do?

Answer: Congratulations! Buying a house is a big deal and it’s likely the largest investment you’ll make in your life. Your mortgage will require you have home insurance all set for the close date. Call Behnke Insurance, let us know the date and home information, our professional agents will find the best value of coverage for you and coordinate the coverage with your loan officer. The week of the close, you need to stop in the office, sign the application and deliver payment. Some banks make the year 1 insurance payment, some banks require you to. The sooner you call, the easier we can help you. However, even if you only have 24 hours to find coverage, no worries because Behnke Insurance can make it happen.

Fond du Lac Insurance Questions 5/30/2014

Behnke Insurance StaffThis post is about the different Fond du Lac insurance questions that Behnke Insurance’s professional agents answered this week.

Question 1: Jack is living with Jill, but they are not married. Jill has Eve, a daughter from a prior relationship. Eve just turned 16 so Jill adds her to her car insurance policy. Jack has his own separate insurance and suddenly his company also adds Eve to his policy. How and why would they do that?

Answer: Insurance companies want all household members listed on your policy. They pay to have access to consumer reports that list drivers by registered address. If they do a review and find additional drivers at your address, they may just add them to your policy. Call your Behnke Insurance agent to see if you can remove them from your policy. Some (not all) companies give you that option.

Question 2: Car titles and insurance: what’s the big deal?

Answer: You drive your car in the country and hit a deer. You’re relieved that you have a $250 deductible because the car is totaled. The insurance company checks your policy, sees your name on it, and approaches you with a check. They say “You can have this check for your property as soon as I see the car title is in your name.

You can only insure property you own. Call a Behnke Insurance agent for details.

Question 3: How does divorce and insurance work together?

Answer: Wisconsin is a marital property state. When you get married, you share property ownership. You do not separate that ownership until the divorce is final.

An example shows why this matters: Jack and Jill are getting a divorce in 30 days. Jack calls his insurance agent and asks for Jill’s car to be taken off his policy (since they’re not living together). Jill buys her own policy. Jill causes a 3 car accident. A lawsuit targets the owners of that car, BOTH Jack and Jill (remember, the divorce is not final). Jill is protected by her insurance. Jack is not protected by any insurance. WHAT SHOULD HAPPEN: Jack and Jill inform their agent of the pending divorce. The agent keeps both people insured on the same policy for both their cars until the divorce is final, then issues two sets of policies.

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Fond du Lac Car Insurance – Teenage Driver Safety Campaign


Do you have teen drivers? Consider sharing this story with them.

In 2012, 9 teen girls drove in a truck together when they had a bad accident. 3 girls die that night. They were from Campbellsport near Fond du Lac.

Please don’t speed, do wear your seatbelt and be smart on the road. Accidents happen and Behnke Insurance will be here to help.

Please share with any parents of teen drivers.

Call Behnke Insurance for Fond du Lac car insurance information, we’d love to help. Insurance protects you and your family in the event of a catastrophe. Car insurance and home insurance are the most popular policies, but life insurance is very important and affordable as well. When really bad things happen, we want to help.

Car Insurance and Auto Insurance in Waupun WI, Ripon WI, Plymouth WI

The cheapest car insurance does not come cheap: see what it really costs you

As most of us know, finding a car insurance that fits all your needs and is also affordable can be very difficult nowadays. By reading this article, you will find different tips that will help you find the best insurance policy for you at a reasonable price, even if you live in areas such as Fond du Lac, Ripon, Waupn, Oshkosh, and Plymouth.

          1.  Finding cheap car insurance costs you time

            First of all, when you want to ensure your car, you should study the market. This can be easily done by using the internet to help you. Nowadays you can find applications that help you compare the insurance packages you think are suitable for your needs.

          2.  Cheap car insurance requires car shelter

Owning a garage can play an important part when you want to sign an auto insurance policy. This happens as a consequence of the fact that if you keep your car in a garage, it reduces the risk of theft or vandalism, and most of the insurance companies out there offer great discounts for those who store their vehicle in a garage.

          3.  Cheap car insurance requires a black box

You should also install a black box on your vehicle. This device will record any relevant data about your driving style such as speed and driving hours. This can come in hand for youngsters who have to pay large sums of money for an insurance policy, by making it possible for them to show that they are good drivers, even if they do not have lots of experience.

At last, in order to reduce the price of your auto insurance, you should include only regular drivers on the policy, because this can greatly influence its price, and because you can add someone for a few days, if it is necessary for them to use the car.

Home Insurance and Homeowners Insurance in Ripon, Plymouth WI

Home insurance that is right for your situation


You know you need home insurance so the real question is which homeowner’s policy will best match your needs and circumstances. If you own property in Fond Du Lac, Ripon, Waupn, Oshkosh or Plymouth you can consult with Behnke Insurance for professional advice regarding your homeowners insurance.


There are many terms and condition involved in home insurance and seeking sound and professional advice is the smart thing to do. For example, do you need flood insurance?  Do you need windstorm insurance?  Certain acts of nature such as floods, tornados, windstorms and earthquakes will not be part of normal homeowner’s insurance policy. Then there is the question of liability. What happens in the event of a domestic accident that results in injury to a third person?


Your home insurance will cover your buildings, structures and fittings. But what about the replacement cost? Building costs rise annually and you need to be sure your homeowners insurance is current and in line with your present situation. There is also the possibility that you have or plan to do home renovations. You need to be sure these improvements are reflected in your homeowner’s policy.


You also have valuable possessions in your home. These are usually covered but there are limits and certain items such as jewelry, art and collections need to be specified separately. You need to consider many things such as umbrella insurance, comprehensive insurance, liability risks, acts of nature and so on. House break ins and theft are also real risks. Home safety features such as alarms and remote surveillance can reduce your insurance premiums and also add an important layer of safety.


So whether you own a free standing home, an apartment or a condo, you need to have the right home insurance to protect your financial interests and investment. The best way to be sure about this is to discuss your insurance requirements with a reputed local agent who will look after your interests.


Car Insurance and Auto Insurance for Plymouth, Waupun, and Ripon

Auto and car insurance that is reliable and affordable


As vehicle owners we know we need auto insurance but we don’t understand all the finer details and specifics involved. Car insurance can be very confusing for the average person. There is no shortage of companies and agencies offering auto insurance and all the choices, options, conditions and fine print can be rather bewildering. Still all we really want is affordable and reliable auto insurance that will protect our financial interests when things go wrong. The best way to simplify things and get affordable and reliable car insurance is to deal with a trusted and independent local agent.


Behnke is a trusted local agent providing insurance solutions to the communities of Fond Du Lac, Ripon, Waupun, Oshkosh and Plymouth. Why struggle an waste your time trying to figure out the best car insurance for your needs when an independent agent has all the knowledge, resources and experience to do it for you? Auto insurance is not a light matter and you don’t want to get it wrong. An independent agent will ensure you get the right car insurance to match your situation. You will also get affordable car insurance that does not cost you more than is necessary.


You want to be sure you are covered for collision damages asd well as consequential costs such as medical costs, liability claims, emergency services, road side assistance, alternative transport and so on. You also want to be sure you are covered if another authorised person drives your vehicle. If you own more than one vehicle you will want to consider insurance on those vehicles as well.


Whether you own a family car, a motorcycle, a boat, a trailer, an off-road ATV or some other vehicle, you need the kind of insurance that protects your realistic risks at a price that makes sense.