Rural Mutual Insurance Company Career Agent Daryl Beier grew up on a family dairy farm located in Richland and Sauk counties. He farmed with his father Duane, until the age of 26. Daryl is a University of Wisconsin, Platteville alumnus. He's been a Wisconsin licensed Property & Casualty and Life & Health insurance agent since 1985. He's currently working for Rural Mutual Insurance Company as a multi-lines insurance agent. Daryl works out of the RMIC office in Richland Center and resides north of the city with his wife Rose. They have three adult children, Brittany, Jenna and Ross. As a Rural Mutual Career Agent, Daryl especially enjoys working with farms and insuring small businesses. A couple of items that Daryl frequently points out, in determining the types and amount of insurance a farm or business must have, is business owners must distinguish between liability coverage which protects against losses that arise from damages to another person or the person's property, and property insurance, which protects against losses that arise from damages to property owned by the insured. The first item involves coinsurance and the penalties that go along with being underinsured. In order to avoid coinsurance penalties at claim time, for example, farmers must keep farm personal property blankets up-to-date. Farm products such as stored grain, silage in silos and hay either need to be included in the farm policy personal property inventory or the agent must endorse the policy with an exclusion not to include feed and grain. This can easily be easily missed if the agent and the insured does not maintain proper, periodic insurance reviews. Another overlooked item is coverage on buildings. Are the property limits adequate? Having higher catastrophic coverage limits on buildings can be achieved by taking higher building deductible limits. Daryl asks the question, come claim time, would you rather have your deductible on the front end or on the back end? Make sure you?re getting the best value for the insurance dollars you?re already spending. Another item of focus is Umbrella Liability coverage and how it can protect you. Unlike your property or auto insurance, an umbrella policy follows you, not your property. Business and Personal Umbrella insurance is additional liability insurance, designed to pay out on top of your existing business, auto and homeowner?s/renter?s insurance policies. You can purchase $1 million, $2 million, up to $10 million (with approval) in Uninsured/Underinsured umbrella liability coverage to supplement the coverage in your current business, home and auto policy. Remember too that the prevalence of people with inadequate insurance is growing and someone else's lack of liability insurance can also put you at risk. Please forward my contact information to anyone you feel could benefit from my services. The best compliment I can receive is your referral. Important Notice: This information gives only a general description of insurance coverage options and does not include all of the benefits and limitations found in an insurance policy. An insurance policy itself can only form the contract between the policyholder and an insurance company.