The Office of the Commissioner of Insurance publishes several consumer guides for small employers and their employees in their shopping for insurance. The publications should be used only as a guide.

Auto
Health
Liability
Property
Other

Auto Insurance

• Consumer's Guide to Auto Insurance
  Explains the types of coverage provided in an auto insurance policy, how to shop for insurance, collision damage waiver coverage for rental cars, and contains premiums for five hypothetical examples.
• Tips for Saving on Auto Insurance
  Provides tips on how to obtain less-costly auto insurance.

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Health Insurance

• Consumer's Guide to Health Insurance and Worker's Compensation Insurance for Farm Families
  Provides information about health insurance and limitations for work-related injuries.
• Consumer's Guide to Managed Care Health Plans in Wisconsin
  Provides information on all HMO and Limited Service Health Organization Plans in Wisconsin.
• Fact Sheet on Continuation and Conversion in Health Insurance Policies
  Describes a consumer's rights under Wisconsin law and the federal COBRA law to continue or convert group health insurance coverage after losing previous eligibility for health insurance coverage.
• Fact Sheet on the Independent Review Process in Wisconsin
  Provides general information on the independent review process in Wisconsin.
• Fact Sheet on Managed Care Consumer Protections in Wisconsin
  Describes consumer protections available to Wisconsin residents enrolled in managed care plans.
• Fact Sheet on Mandated Benefits in Health Insurance Policies
  Gives a brief description of current mandated benefits.
• Fact Sheet on Mandated Benefits for the Treatment of Nervous and Mental Disorders, Alcoholism and Other Drug Abuse
  Summarizes required coverages in group health insurance policies.
• Health Insurance for Small Employers and Their Employees
  Discusses the Small Employer Health Insurance Law and contains monthly new business premium rates for three hypothetical groups.
• Health Insurance Portability and Accountability Act of 1996 and 1997 Wisconsin Act 27, The
  Provides a general overview of the new federal law as well as the changes made to state health insurance laws.

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Liability Insurance

• Consumer's Guide to Commercial Liability Insurance
  Contains basic information on commercial liability insurance, risk management, legal protections, required coverages, and optional coverages.
• Consumer's Guide to Day Care Liability Insurance
  Answers questions about liability insurance coverage for day care facilities.
• Consumer's Guide to Insurance for Small Business Owners
  Provides information about business, worker's compensation, health, and auto insurance.
• Consumer's Guide to Worker's Compensation Insurance for Employers
  Provides information on worker's compensation insurance requirements and answers frequently asked questions.
• Information Sheet on Surplus Lines Insurers and Agents
  Answers questions about surplus lines insurance and procedures for placing surplus lines insurance.
• Warranties
  Discusses the Magnuson-Moss Warranty Act, the federal law that covers warranties, and answers questions about extended warranties.

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Property Insurance

• Settling Property Insurance Claims
  Provides information on what to do after a loss, how to settle an insurance claim, flood insurance, and tips on what to do before a loss.

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Other

• Consumer's Guide to Insurance
  Provides general information about health, life, auto, homeowner's, and worker's compensation insurance.
• Fact Sheet on Insurance Terminations, Denials, and Cancellations
  Summarizes the laws dealing with notice requirements when insurance coverage is terminated.
• Insurance Complaints and Administrative Actions
  An annual report listing companies with an above-average number of complaints in individual and group health, life and annuities, automobile, and homeowner's and tenant's insurance.
• Other Sources of Help
  Provides information on Small Claims Court.
• Tips for Buying Insurance on the Internet
  Provides tips on shopping for insurance on the Internet.
• Understanding How Insurance Companies Use Credit Information
  Tips to help you understand how your credit information may be used and how it may affect your insurance premiums.

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