Question by estudent: Insurance question, searching to commence a company, elder property care in Wisconsin.How to turn out to be bonded and insured?
I do not feel my insurance business (American Insurance) provides bond and insurance for an individual in my field. Also need reasonably priced well being insurance with fairly low deductible. Any suggestions would be useful.
Very best answer:
Answer by Zarnev
You’ll want to speak with two agents. The initial will be a commercial insurance agent for the business. The second will be a well being insurance agent. Make positive each are in a position to represent many various firms.
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You need to talk to a local, independent agent in your area.
It’s not easy to find an insurer willing to cover the property, liability, and professional liability needed for the elder care home – and it’s not cheap, either. You’ll need all that, and workers comp, too, before you can get the bond, and the state gives you a license.
An independent agent can go look at the excess and surplus market to find a company willing to do this.
Health insurance is completely different – it costs what it costs, and the lower the deductible, the more it costs. The older you are, the less healthy you are, the more it costs. There’s no bargain with health insurance.
Your standard companies are NOT going to give you a quote on this. You can find a local agent near you, by plugging in your zip code to http://www.iiaba.net.