Specialized Business Insurance

Insurance coverage and risk management solutions for companies in various industries.

Home » Business Insurance » Specialized Business Insurance

Specialized business insurance in Fox River Valley and throughout Wisconsin.

Different businesses have different insurance needs. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

Each industry has its own set of unique risks and requires specialized insurance to protect what matters most. Our insurance advisors have in-depth knowledge and experience with a variety of industries, including those featured below.

See Industry SpecialtiesSee Business Insurance
Start Quote Request
Which business insurance is right for your company?

Explore how having the right business insurance can protect your company from the unexpected.

Child Care Center

General Liability

Risk Factor

Visitors walking into the center could slip and fall, a teacher or employee could cause damage to a student’s property, or a lawsuit could be filed against your child care center.

Solution

General liability insurance is a necessity for any business. It provides broad coverage when you are deemed liable and will pay to defend lawsuits alleging injuries or property damage which occurred as the result of your center’s operations.

Business Personal Property

Risk Factor

Fire, weather, burst pipes, and other losses are frequent for child care centers given the large amount of physical space required to operate. These losses can cause significant damage to the school’s business personal property.

Solution

Business personal property coverage allows the center to replace property that has been damaged or destroyed by a covered cause of a loss. For a child care center, this may include property like chairs, tables, books, toys, materials, and supplies.

Workers’ Compensation

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

State disability and workers' compensation protects your employees should a job-related injury or sickness occur during their course of employment. This coverage is required by law, so be sure you have it.

Cyber Liability

Risk Factor

The internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to all businesses. But with these benefits also come challenges, including protection of privacy, data, and financial information of your employees and students.

Solution

Cyber liability coverage covers unauthorized access to electronic data or software within your network. It also provides coverage for spreading a virus, computer theft, extortion, or any unintentional act, mistake, error, or omission made by an employee. This coverage is quickly becoming more and more important as you embrace technology to help run your child care center.

Umbrella / Excess Liability

Risk Factor

What happens when your child care center faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers' compensation, business auto, and directors and officer’s liability coverage. It provides a great safety net and helps ensure your school is well protected.

Professional Liability

Risk Factor

All child care centers and schools are at risk for professional liability claims to be brought against them for negligence.

Solution

Professional liability protects your teachers and child care employees. If your staff is sued due to negligence in relation to a child’s safety or for making an error in judgement, your center can also be sued.

Abuse / Molestation

Risk Factor

When working with children or youth, there is always a risk that staff/owners could be accused of physical, sexual, or mental abuse.

Solution

If an employee or owner is accused of abuse, you need abuse/molestation coverage to protect your center or school from the possibility of significant financial loss. Even unfounded lawsuits are costly to defend.

Commercial Auto

Risk Factor

Commercial auto is necessary if your center has company-owned vehicles and children are transported to and from school and/or field trips.

Solution

Commercial auto insurance can protect your center or school if an accident occurs or there is damage to a vehicle.

Hired and Non-Owned Auto Liability

Risk Factor

If you or your staff drive their own vehicle on business time or you rent vehicles in the business name to travel to meetings, conferences, or elsewhere, you face additional exposure and risk.

Solution

Hired and non-owned auto liability protects your staff if they are driving their own vehicle to run errands. Your center or school can be held liable for injuries or property damage if a driver is involved in an accident. The hired liability portion covers rented vehicles when listed in the business name for travel use.

Employment Practices Liability Insurance (EPLI)

Risk Factor

Employment-related claims can be made by past or current employees, those who have applied for work, and even clients or potential clients.

Solution

Employment practices liability insurance can help protect your child care center from claims which may arise due to alleged negligence relating to discrimination, sexual harassment, wrongful termination, service refusal, or any other employee-related claim.

Employee Benefits Liability Insurance

Risk Factor

It’s possible that your child care center could incur losses if you offer employee benefits to your team.

Solution

The administration of benefit plans can be tricky. Employee benefits liability insurance help cover any losses resulting from many types of employee benefits plans such as health insurance, retirement plans, and more.

Student Accident

Risk Factor

Everyone knows that children can be accident-prone. Often they trip and fall, collide with one another, or even knock out a tooth or break a bone, so it is important to obtain a student accident policy.

Solution

A student accident policy can cover children’s medical bills if they are injured at the center or on a sponsored field trip or activity. There are two options. Full excess reimburses secondary to the child’s health insurance plan and primary reimburses on a primary basis, regardless of the child’s current health insurance plan.

Brewery Insurance

Owning a brewery can present unique risks. Specialty brewery insurance combines elements of liquor liability insurance, property insurance and general business insurance to develop one, simpler policy.

Interactive Graphic
Child Care Center Insurance

Parents trust child care centers with their children from the earliest days. As with any facility that caters to the care of young ones, there are special risks in addition to the ordinary risks of running a business. Our specialized insurance policies will keep you covered.

Interactive Graphic
Church Insurance

A church is so much more than a place of worship—it's also a community center, an employer and oftentimes, a home. We offer customized insurance options that fit all of these unique needs.

Interactive Graphic
Contractor Insurance

Contractor insurance isn't one-size-fits-all. A specialized policy allows you to easily customize and simplify your insurance coverage to ensure that your business' unique needs are protected.

Interactive Graphic
Condo Building Insurance

Condo building insurance can be complicated. Specialty condo insurance recognizes the many different risk types and provides clarity regarding which parties are responsible for covering which risks.

Interactive Graphic
Dealership Insurance

The risks associated with owning a dealership are diverse, no matter what you sell. From workers' comp to coverage for customers' vehicles, we'll help you navigate the complexities and design a policy that keeps your business running smoothly.

Fitness Center Insurance

As a gym or fitness center owner, customer waivers are usually not enough to protect you from potentially damaging financial risks. A specialty fitness center insurance policy can fill the gaps.

Interactive Graphic
Fleet Insurance

Fleet insurance is the simplest way to cover all of the cars and trucks owned by your company with a single policy.

Garage Repair Shop Insurance

Garage repair shops face high financial risks simply because of the nature of the business. A specialty insurance policy can protect your garage repair shop from potentially devastating financial losses.

Interactive Graphic
Golf Course Insurance

Golf is a relaxing pastime that many people enjoy, but operating a golf course isn't such a walk in the park! Specialty golf course insurance can protect your business from financial risks associated with property damage, extreme weather, liquor liability and much more.

Interactive Graphic
Manufacturer Insurance

Manufacturers come in all shapes, sizes and product lines. But no matter what type of manufacturing business you're in, there's one thing in common: the need to protect your business. We can help you design the right manufacturer's insurance policy.

Interactive Graphic
Medical Office Insurance

Just as your patients need to maintain insurance coverage, so should you. Your medical office comes with a unique set of risks and a specialty medical office insurance policy can keep you protected against a loss.

Interactive Graphic
Non-Profit Insurance

Even though your organization's goal is to help people, you are still running a business. That means your non-profit needs to protect itself against the risks that small business owners face. We'll help you design a non-profit insurance policy that covers your organization's unique needs.

Interactive Graphic
Professional Services Insurance

When your business handles services that are very personal, it's important to have the right insurance in place to protect your clients and your business. Professional services insurance is a great way to manage this.

Property Manager Insurance

If you manage residential or commercial properties, you face a diverse set of risks and potential losses. From liability issues to damage protection, we'll help you navigate the world of property manager insurance and design coverage that's a perfect fit.

Interactive Graphic
Real Estate Investor Insurance

Real estate investment is an exciting, and sometimes risky, venture. There are unique liabilities and factors to consider when insuring your property. We'll help manage those risks and keep your investment protected.

Restaurant Insurance

Restaurants carry a very unique set of risks. We can customize a menu of insurance solutions to meet your specific needs. Reviewing the options and developing a plan for restaurant insurance coverage is the perfect recipe.

Interactive Graphic
Retail Business Insurance

As a small business owner, you have a lot to think about. Customized retailer insurance coverage can help to take some of those worries off of your plate.

Technology Firm Insurance

Technology firms face unique risks due to the nature of their work. Specific tech firm insurance can help to combat and prevent these risks.

Interactive Graphic
Trucking Insurance

Does your company make use of commercial trucks? If so, you may need to consider commercial trucking insurance, which covers more risks than your typical auto insurance would.

Wholesaler and Distributor Insurance

As a wholesaler or distributor, your business has heightened risks because of the amount of stock kept onsite. A specialty wholesaler and distributor insurance policy protects you from the unique financial risks associated with this type of business.

Winery Insurance

Wineries have elements of many types of businesses – they’re part manufacturer, part event venue, and some may offer a wine bar that’s open to the public. Insurance for these unique risks requires specialized coverage.

Interactive Graphic

Ademino & Associates offers specialized business insurance options.

Specialized Business Insurance Quote Request

As an independent agency, we offer multiple options at competitive prices.

  • Coverage will not be bound or changed until confirmed by a licensed agent.
  • This field is for validation purposes and should be left unchanged.