Burstad Insurance

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        • Staff
        • When comparing insurance agencies,  The most important thing to consider is the staff that is going to take care of you.

          Our staff of local professionals that take pride in what they do. Whether it be providing advice, taking care of a claim, or servicing your account to accommodate your changing lifestyle.

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        • Burstad Insurance is an independent insurance agency. We represent dozens of top-rated companies, not just one such as Farmers, State Farm, or American Family.

          By representing multiple insurance companies, we can assure our customers the right fit, which includes the right coverage, excellent service, and a great value when it comes to price.

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        • For years people have relied on the opinion of others when shopping for a product or service. That is especially true today.

          Online reviews are fast becoming an important part of many businesses, including our own. Take a moment to read a few of the kind words our customers have had to say about our agency.

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  • Locations
        • Menomonie
        • 420 Main Street E
          Menomonie, WI 54751
          Phone: 715-235-6479
          Fax: 715-235-8860
          Email: info@burstadinsurance.com

           

        • Medford
        • 1154 W Broadway Ave
          Medford WI 54451
          Phone: 715-748-6262
          Fax: 715-748-4730
          Email: info@burstadinsurance.com

        • New Richmond
        • 1225 N Knowles Ave
          New Richmond, WI 54017
          Phone:  715-246-6988
          Fax: 715-246-6965
          Email: info@nr-ins.com

        • Chippewa Falls
        • 2396 Hallie Road Ste 5
          Chippewa Falls, WI 54729
          Phone: 715-723-0600
          Fax: 715-723-0900
          Email: info@burstadinsurance.com

        • River Falls
        • 215 North 2nd Street
          River Falls, WI 54022
          Phone: 715-425-1382
          Fax: 715-425-0363
          Email: info@burstadinsurance.com

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        • Are you looking for a quote on your personal or business insurance? You are in the right place, just fill out the request form, or call our agency, and we'll be in touch to ask a few questions about your needs, and answer any questions you have.

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        • Do you have a change that you need made to your policy? You are in the right place. Whether you just bought a new car, or need to change coverage on your home or business, visit our Customer Service page and we'll take care of you.

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Commercial Insurance

As a business owner, you face financial risks long before you ever start generating revenue. From product liability and professional errors to employee injuries and commercial property damages, all it takes is one catastrophe to take down your business and render it insolvent. That is why most business owners need the right insurance policies in place on day one of operations. The following are several types of commercial insurance coverage frequently purchased by small and mid-sized businesses.

Business Owners Policy (BOP)

A Business Owners Policy – also known as ‘BOP’ Insurance – is a combined coverage policy that includes several different general risk protections. By bundling property damage insurance, general liability insurance, and business interruption insurance into one policy, business owners can enjoy convenient coverage management, spread out their risks with the same carrier, and potentially achieve greater savings on premiums than if the coverages were purchased individually. Although BOP Insurance is not right for all businesses, it can be an affordable and efficient choice for businesses that fit standard, low-risk profiles.

*It is important to note that many businesses will need additional commercial policies in addition to their Business Owners Policy, as BOP Insurance does not include coverage for workers compensation, professional liability, commercial vehicles, or health and disability.

Commercial Auto Insurance

Commercial auto insurance covers a business against third-party injury and property damage liability. Policies can also include comprehensive and collision coverage for physical damages to company vehicles, whether due to an accident or a non-collision event. Most businesses need commercial auto insurance when they own company vehicles. This could include a simple, single-vehicle policy for a small floral delivery van or a complex commercial policy to cover an entire fleet of work trucks. Although employees typically rely on their own personal insurance when driving personal vehicles for business purposes, businesses may still need commercial coverage when employees use their personal vehicles for the delivery of goods or services in exchange for a fee.

Commercial General Liability

Commercial general liability insurance helps safeguard a business against expensive litigation processes and outcomes when they pertain to certain type of covered claims. These typically include third-party bodily injuries and property damages, as well as personal injury, advertising injury, medical payments, and more. Different businesses have different levels of exposure, meaning some may need higher coverage amounts to adequately mitigate their risks. If a business purchases too little liability coverage, it risks paying extensively for any legal fees and damages that exceed the coverage limits of the general liability insurance.

Commercial Inland Marine

Commercial inland marine coverage is for businesses that need to cover property or cargo regardless of its location over land. This could include businesses that utilize mobile equipment or have operations that involve the shipment or transportation of goods. This coverage is often recommended for contractors that work and use equipment at various job sites, as well as companies that transport and/or deliver valuable cargo. For example, a business may need inland marine insurance if they own vending machines that are left at a third-party premises or if they house valuable third-party belongings in their businesses, such as fine art or client pets.  

Commercial Property Insurance

Commercial property insurance is coverage for the physical assets of a business against damages caused by certain types of covered events. Though details can vary from insurer to insurer, these generally include fire, smoke, vandalism, wind, hail, fallen objects, and more. While property insurance covers the physical structure of the buildings owned by a business, it can also be important for businesses that lease their properties or operate from a home office. That is because commercial property insurance typically extends to cover signage, inventory, furnishings, fixtures, and more.

Commercial Umbrella Insurance

When businesses get sued, their general liability insurance often covers the cost of hiring a lawyer and paying for any damages awarded to the victim. Sometimes, even the highest general liability insurance limits are too low to cover the financial obligations a business has to the victim(s). In these cases, commercial umbrella insurance can help absorb the damages remaining beyond the limits of the general liability policy. Commercial umbrella insurance usually comes with millions of dollars in extended liability protection that can help protect a business against bankruptcy following a major lawsuit. In many cases, it is what allows the continuity of a business rather than its closure after a lawsuit.

Commercial Crime Insurance

It is not just banks that are robbed; other businesses and their customers are often targeted by criminals, too. Sometimes there are inside jobs carried out by employees, and sometimes there is fraud of forgery involved in the transfer of funds. Commercial crime insurance can help protect a business against some of the financial risks associated with employee dishonesty, extortion, computer fraud, forgery, counterfeit money, kidnap, ransom, and more. Whether someone in the accounting office writes checks to a fake vendor or a large deposit is stolen from a manager at gunpoint on the way to the bank, commercial crime insurance can help minimize the cost to the business.

Workers Compensation

Employers are responsible for maintaining a safe working environment. However, there are physical risks associated with employment, with some occupations demanding more risk than others. Workers compensation insurance helps pay for the lost wages and necessary medical and rehabilitation bills incurred by an employee that has been injured on the job, regardless of whether the business has any actual liability for the incident. Although workers compensation is required for nearly all employers in most U.S. states, this coverage does much more than protect the workers against high medical expenses and lost wages. In many cases, it can also protect a business against a workplace injury lawsuit, too.

EPLI

Employment practices liability insurance – also known as EPLI – is coverage for the costs and damages associated accusations of wrongful employment practices. Examples include allegations of race, sex, disability, or age discrimination, as well as wrongful termination, sexual harassment, and more. Businesses should purchase EPLI coverage from the moment the first employee is hired, as well as take steps to prevent claims and accusations. This could include the development of an employee handbook that details the expectations and policies within the workplace, as well as discipline protocols and a process for filing complaints. Employers should also keep detailed employee files, post public equal opportunity statements, and implement a zero-tolerance policy for unacceptable dialogue and behaviors associated with harassment, discrimination, drug and alcohol abuse, and more.

Cyber Liability Insurance

The dark web contains a vast network of cyber criminals looking for ways to steal sensitive information and private data. Cyber liability insurance helps cover small businesses when criminals target and exploit the information in their databases. Although it does not usually pay for direct financial losses associated with cyber theft, it does typically cover the costs associated with the data breach, which may include fines and penalties, as well as the cost of notifying affected customers and paying for their credit monitoring services. It can also cover legal defense costs against investigations and legal advancements from state regulators.

Directors & Officers Insurance

Also known as D&O, directors and officers coverage helps protect the owners, officers, and directors of a business or non-profit, as well as their spouses, against personal lawsuits associated with the operation or management of the company or organization. This coverage typically provides compensation for legal defense costs, as well as judgments or settlements resulting from litigation. D&O is beneficial for directors and officers that are at risk of being sued by vendors, customers, employees, and even competitors for things like misuse of funds or misrepresentation of the company. Without D&O coverage, the cost of defending a lawsuit could cause financial ruin to a company’s directors and officers.

Equipment Breakdown Protection

Many businesses used special equipment to produce goods or provide a service. Without this equipment, it would be impossible to continue operations as normal, which could hamper cash flow. Examples of covered equipment include refrigeration equipment, computers, fax machines, photocopiers, and more. Equipment breakdown protection – also known as boiler and machinery coverage – helps cover the cost of repairs or the replacement of equipment that has been damaged due to a covered event. This may include damages caused by human error or an uncontrollable event, such as a power surge.

Errors and Omissions Insurance

E&O insurance is coverage against accusations of third-party damages caused by professional errors and mistakes. This coverage protects business professionals against claims of negligence or failure in carrying out professional obligations. While it does not cover fraudulent acts, false advertising, and certain other damages, it generally does cover things like legal defense fees, copyright infringement, libel, slander, negligence, alleged negligence, and more. Often, ‘errors and omissions insurance’ is used as an umbrella term referring to more specific types of coverage, such as medical malpractice insurance or professional liability insurance. Examples of professionals who may need errors and omissions insurance include real estate agents, accountants, therapists, nutritionists, consultants, architects, doctors, lawyers, engineers, and more.

Marine (Cargo) Insurance

The shipping industry is responsible for transporting the vast majority of the world’s cargo. Marine cargo insurance helps protect businesses against damage or loss of cargo during transport, whether by ship, plane, or train. Insurers may issue Free of Particular Average (FPA) coverage that provides coverage only for specific name perils, such as damages caused by inclement weather or loss due to theft. However, many marine insurance policies include all-risk coverage that protects against all losses with the exception of those excluded by name. Examples of common exclusions include rejection by Customs authorities, abandonment of cargo, or damages caused by inadequate packing.

Product Liability Insurance

From foods that trigger a dangerous allergy to defective small kitchen appliances that pose an electrical fire hazard, there are many things that can go wrong when a product is improperly made. That is why manufacturers, suppliers, wholesalers, and retailers all need product liability insurance. This coverage helps to protect against financial responsibility for third-party injuries, damages, and other losses caused by the design, manufacturing, marketing, or even the misuse of products a business produces or sells. Product liability insurance can help cover the cost of hiring a legal defense, as well as the cost of compensating victims for any medical bills or damages they may have incurred.

Professional Liability Insurance

Much like errors and omissions coverage, professional liability insurance helps protect service professionals against the financial weight associated with a lawsuit and accusations of professional errors and negligence. This coverage makes it possible to continue operating a business despite making a mistake that results in unintentional harm to a client. Whether an architect’s house plans result in a major construction error or a home inspector misses a major home defect due to an inadequate inspection, professional liability insurance is designed to safeguard a business’s income and assets against the cost of litigation.

Technology Insurance

IT businesses are constantly bringing ideals to life through the development of unique systems and services. From web developers and data storage services to companies that develop and innovate new hardware and software, there are risks associated with the technology sector. With technology insurance, companies are covered for their liability and property loss risk exposures, whether they create technology, distribute technology, or simply work with technology.

Liquor Liability Insurance

Businesses that sell, serve, or furnish alcohol need liquor liability insurance. This coverage protects against third-party damages that occur as a result of serving alcohol to a guest, whether directly or indirectly. For example, a restaurant may file a claim against liquor liability coverage to help pay for legal defense fees for a lawsuit accusing the business of responsibility for a car accident victim’s injuries caused by an at-fault driver who became overly intoxicated at the restaurant. Liquor liability coverage may also cover liability for on-property fights among business patrons, slip-and-fall injuries, and more.

Transportation Insurance

There are many different types of businesses that operate in the transportation industry. From truckers and limousine services to small businesses that deliver their own goods through a private fleet, there are many risks associated with the movement of people and cargo. Depending on the specific type of transportation services offered, a business may need inland marine, commercial transportation, or some other type of transportation insurance to help protect drivers, vehicles, cargo, and more against potential losses and damages.

Bonds

For many businesses, it is not enough to be insured; they must be bonded, too. Commercial bonds come in two types – fidelity and surety. A fidelity bond is essentially a type of insurance that protects a business against employee theft. A surety bond a guarantee required by a third-party, such as a contract service customer, that the business will faithfully perform the services it is hired to do. The company behind the bond assures the customer that damages will be covered even if the contractor fails to follow through. The contractor is still ultimately responsible for paying the damages, but the promise behind the bond gives the customer greater confidence in hiring the contractor.

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Excellent
Burstad Insurance
Based on 61 reviews
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Jeremy B.
If I could give 0, I would
Eric C.
Do not do business here. We were mislead about the coverage provided to our business by Missy Kraemer. When this came to light, we went to change providers and find adequate coverage. Missy acted extremely unprofessional and refused to send us the documents we needed! She said it wasn't her job to help us. A terrible experience with a rude, unprofessional person. Do yourself a favor and find literally any other insurance provider.
Sam C.
After waiting a week for someone to get back to me about my request for quotes, they sent me an email saying “We can’t find you coverage because you have a pitbull mix dog. Sorry.” Which doesn’t make sense because somehow I currently have insurance and I’ve gotten 3 quotes on my own now that will all cover my dog. Complete waste of time.
Jr S.
Such nice people I love the insurance rates so amazing.
carrie M.
Thanks for your always friendly and fast service! I appreciate what you do!
Kathleen T.
Bursted has had my business for years. When I lived in town, I appreciated stopping in to get quotes so I could talk to the owner about business and community. The staff is helpful and friendly, and I appreciate how patient they are when answering my questions about insurance. Insurance is not my favorite adult chore to tackle, but everyone at Burstad makes me feel like I’m connected to a human that knows how to explain what will serve my needs. They’re also a brokerage and have the ability to check multiple providers at once for you! Yay!!!
Nick E.
Great customer service and caring staff.
Tammy T
We too had a horrible experience with Doug! Unfortunately we had to find out the hard way when we had a small fire/smoke damage in our office space. Not only were we under insured, we were overcharged on our commercial policy for years!!!!! He and the owner of this agency were absolutely zero help when it came to dealing with this claim, the tenants insurance company and the insurance adjuster that would never return our calls, it was a complete NIGHTMARE! We were all on our own and we feel that once this happened, they knew that our agent screwed up when it came to this policy that he put together or lack there of and thought if they would just ignore us we would walk away. Not only did we walk away, we ran!! Had 3 other agents review it and could not believe how much we were under insured and several gaps in the policy that were missing, like loss of income, loss assessment coverage, just to name a few, things that are no brainers when it comes to commercial insurance. The only good that came out of this entire experience is that we learned alot about insurance and now have a very competent agent that physically went to all our properties, took pictures and sat down with us, at our home and a 3 page checklist to see what we needed or didn't need for our insurance needs. He even pointed out that our agent had our rate almost 3 times higher than it should have been, meaning we were getting ripped off, big time!!! We would have filed a complaint with the insurance commissioner of WI but reviews said not to waste your time, they wont do anything. Now we have double the coverage for our properties for HALF of what we were spending with this agency. Oh and our home and auto policy was lacking as well but was also reviewed and now has the proper coverage for our needs. Our advice, go somewhere else for your insurance so this doesn't happen to you!! This agency doesn't even deserve 1 star!
Jeanne R.
I really appreciate their friendly, prompt and knowledgeable assistance. We have been with them for years, and are consistently happy with their service.
Sephonia T. C.
This insurance company allows its employees to be racist. Doug treated me as if someone had a gun to his head every time he dealt with me. During a conversation I overheard him call me the “N” word and say how he wish he didn’t have to deal with my kind. The new management didn’t care how I was being treated so I switched insurance agents all together. Furthermore, I have asked numerous times for them to STOP harassing me by sending me emails and mailings but they have refused. I unsubscribed 4 times from their emails but the emails keep coming 2 years later. I’ve made numerous phone calls asking them to remove me from their lists but that hasn’t happened yet either!!!. My next step is to file an official report of Harrassment with the state of Wisconsin. I wouldn’t use this company to insure bubblegum lil less a boat, car or your home. I’d give them a zero rating if I could. There’s no place for racism in this world.
Roxanne S.
Valorie provided excellent service and quickly found us the best insurance policy and rates available. Thank you, Burstad Insurance!
Mindy A.
Family and Burstad worked their magic and found insurance even cheaper than what I was paying. They are very responsive when adding or changing things to a policy and they stick up for their customers when a bank may try to manipulate the home insurance for no apparent reason. Well done Burstad. I highly recommend.
Jason W.
Good service they work at finding you the best insurance
Dale B.
Easy to work with
Carla O.
Good insurance company
Happy Home I.
Easy to work with and great rates. Sent a lot of friends here. All are happy with it!
Dave T.
Melissa and her staff have always treated me right! Often finding better rates for me! Thanks
Peter T.
Great place
Jeremy M.
Monte and his team are great to work with. They were extremely helpful in getting our business up off the ground and getting the needed items to be successful. I would highly recommend them for your business!
Denise V.
Great to work with!
Dawn B
Everyone here has been very helpful, knowledgeable and friendly! Whenever I contact them, they get back to me quickly and are sure to get me the best rates possible. Thank you! The Baldwins
Kelly S.
I'm giving them 3 stars only because I was insured by them for 11 years..I changed insurance providers when my daughter got her license. they automatically put her on my insurance policy as a first time driver weather she was now driving or not but just because she was a licensed driver in my household. $287.00 jump from the $64.00 what I was paying for myself was crazy. Yes I called them and tried to dispute this but they refused to remove my daughter and started taking payments out of my account... so I was done with them ,cancelled my insurance policy, and got a better insurance that same day for half the cost plus I now have better coverage.
Isaac F.
I visited this office for a quote. During a pandemic, no one was wearing a mask or distancing. For a company preaching safety and preparedness it seemed strange. I turned around and left when I overheard an employee, who I assumed was an office lead, espousing her religious beliefs were going to save her rather than science. Who works in insurance with an attitude like that?
Response from the owner:Isaac, I am so sorry about your experience in our office, although we do not require masks by our staff being that they are all at least 6ft. feet socially distanced, we will always respect the views of our walk in customers. I am sorry that you had a negative experience at our office, but we would love the opportunity to set up a meeting with one of our highly experienced agents. We would make sure that everyone would be masked so that you feel comfortable. Thank you for your feedback.
Drillbit S.
They just want your money, Our agent was quite condescending when he would talk with us we were a new business. Prices were OK, But our agent definitely thought he had a chip on his shoulder.
Joshua E.
Great response time, #1 in the area
Wedam Enterprises L.
Very responsive all around good business and friendly service. Highly recommend.
Lee B.
Excellent customer service
Kent Elkin goes above and beyond
Also the rest of the staff is very accommodating
Barbara B.
They are professional and responsive
Li K.
great place and nice service
S M.
Great place. Emily is very helpful as well as all the rest of the people I have encountered there.
Tamara K.
Didnt respond to my request for a quote.
Bill I.
Best prices. Best customer service!
Steven G.
Top notch service. Will recommend to all.
Ana B.
Yes! I want to tell you something. If you need a car insurance - this is the place where you will find the best offer.
Have done car insurance for two trucks. The price was so good, even less than I expected.
My agent was Angie. I want to say thank you for caring! She is the nicest and kindest person ever!
Definitely will return for the nest year insurance
Jason L.
Excellent rates and service. Friendly staff and helped in a timely manner
Alicia B.
Neil is awesome!
John A.
Very helpful agents and staff. They got me a great deal on homeowners and auto insurance.
Jody L.
I have had policies thru the Agents, at the Menomonie office.

Their prompt response, patience, amazing customer service and thoroughness, is the greatest I have ever had with an agency!
Valorie M.
Great staff!
Brian H.
I have been a customer for many years and love the personal customer service experience that they provide. I know that when I call, I will get a real live person! I also know that the person I am working with will have an understanding of my history and my policy. Highly recommend! Thanks and keep up the good work!
Joshua E.
I recently purchased a new vehicle and had Teresa add it to my policy. She told me she added it and i was all set to go. 3 weeks later i find out she did nothing and i had been driving my brand new vehicle around without any insurance coverage. She said on several different occasions that she would email me new quotes, but i never heard back.
marcy M.
Corey Burstsad Insurance is great!! Neil always goes out of way for his clients, very trustworthy and efficient.
Soleil R.
Very friendly and helpful. Got is a great deal and we were refered there by a good friend after not being able to find what we wanted elsewhere. They made the process very easy and didn't mind us popping by last minute to get the details figured out.
Response from the owner:Hello Soleil, thank you for your review! We strive to provide great service to our community.

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Spring and summer storms can bring more than just wind and rain—they can also bring unexpected damage to your home and property. Whether you live in the Midwest, the Great Plains, or the Southwest, it’s a good idea to check your Homeowners Insurance before storm season begins. Many people don’t think about their policy until …Read More

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