Established by Donald E. Richards in Beaver Dam in 1965, Richards Insurance branched out to Columbus in 1970, Watertown in 1975, and later to Oshkosh and West Bend. The Agency originally provided property and casualty services, but in 1980 the agency began providing employee benefits assistance. In 1997, Richards Benefits & Financial Services, LLC (RBFS) was created.
Don's philosophy of "servicing customers is more important than writing new business" has continued throughout the years. As an independent insurance agency, we are able to quote many different carriers to find the right product at the right price for you or your business.
Providing value to our customers with experience and great customer service has allowed us to become one of the largest full service agencies in Wisconsin with over 50 employees and six regional offices; Beaver Dam, Columbus, Oshkosh, Watertown, West Bend, and Richards Benefits in Beaver Dam.At Richards Insurance we have the resources, knowledge base, and experience to simplify and solve even the most complex insurance and benefits challenges.
Don's philosophy of "servicing customers is more important than writing new business" has continued throughout the years. As an independent insurance agency, we are able to quote many different carriers to find the right product at the right price for you or your business.
Providing value to our customers with experience and great customer service has allowed us to become one of the largest full service agencies in Wisconsin with over 50 employees and six regional offices; Beaver Dam, Columbus, Oshkosh, Watertown, West Bend, and Richards Benefits in Beaver Dam.At Richards Insurance we have the resources, knowledge base, and experience to simplify and solve even the most complex insurance and benefits challenges.
Services
Richards Insurance and Richards Benefits & Financial Services provide cost effective, creative and personalized solutions.
We pride ourselves in our ability to add value.
Life is busy.
That's why we do the work for you.
We compare quotes from several companies and present them to you in a way that you can appreciate and understand.
We pride ourselves in our ability to add value.
Life is busy.
That's why we do the work for you.
We compare quotes from several companies and present them to you in a way that you can appreciate and understand.
In the insurance world, we often refer to what is called "Property & Casualty" or "P & C".
The most common property and casualty insurance for individuals are auto, home, and renters insurance.
And, depending on your hobbies, you may also choose to insure some of your "toys".
Property and casualty insurance makes it possible to drive a car, live in a home, and own possessions without worrying about the risk of potential financial consequences in the event of an accident or natural disaster.
The law also requires uninsured motorist coverage with a minimum limit of $25,000 for one person and $50,000 for two or more people for bodily injury coverage.
The most common property and casualty insurance for individuals are auto, home, and renters insurance.
And, depending on your hobbies, you may also choose to insure some of your "toys".
Property and casualty insurance makes it possible to drive a car, live in a home, and own possessions without worrying about the risk of potential financial consequences in the event of an accident or natural disaster.
The law also requires uninsured motorist coverage with a minimum limit of $25,000 for one person and $50,000 for two or more people for bodily injury coverage.
How.
Business insurance is complex.
Let our insurance professionals determine the right business insurance for your needs.
Our agents have years of experience.
You worked hard to start your business; let us work hard to keep your business running in the event an accident happens.
Property Insurance | No one ever expects a catastrophe to strike.
Property insurance protects your business from hardships caused by fires, storms, tornados, theft and vandalism.
Many people depend on your business.
Property insurance can help protect you financially after a loss and get you back up and running.
Business insurance is complex.
Let our insurance professionals determine the right business insurance for your needs.
Our agents have years of experience.
You worked hard to start your business; let us work hard to keep your business running in the event an accident happens.
Property Insurance | No one ever expects a catastrophe to strike.
Property insurance protects your business from hardships caused by fires, storms, tornados, theft and vandalism.
Many people depend on your business.
Property insurance can help protect you financially after a loss and get you back up and running.
Group Insurance | Providing the experience and the relationships needed to get you the best coverage options and the best value for your organization.
Employees value their benefits, and a well-rounded benefit package can help recruit and retain the best employees.
Group policies are issued to the employer to cover all eligible employees and, often times, their dependents.
Premiums do not need to be paid fully by the employer.
Contributory | A portion of the premium is paid by the employer and a portion is paid by the employee.
Employees value their benefits, and a well-rounded benefit package can help recruit and retain the best employees.
Group policies are issued to the employer to cover all eligible employees and, often times, their dependents.
Premiums do not need to be paid fully by the employer.
Contributory | A portion of the premium is paid by the employer and a portion is paid by the employee.
If you have a qualifying event (marriage, birth of a child, loss of coverage, or an income status change) you could still qualify for coverage.
HMO (Health Maintenance Organization) | An HMO requires that you use in-network providers to receive benefits.
PPO (Preferred Provider Organization) | In a PPO, you do not need to select a primary care physician.
You may choose to see a provider in or out of network, but your in-network benefit will be better.
POS (Point Of Service) | POS plans require that you have an in-network provider designated as your primary care physician.
HMO (Health Maintenance Organization) | An HMO requires that you use in-network providers to receive benefits.
PPO (Preferred Provider Organization) | In a PPO, you do not need to select a primary care physician.
You may choose to see a provider in or out of network, but your in-network benefit will be better.
POS (Point Of Service) | POS plans require that you have an in-network provider designated as your primary care physician.
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