Burstad Insurance

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        • 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
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        • 215 North 2nd Street
          River Falls, WI 54022
          Phone: 715-425-1382
          Fax: 715-425-0363
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Daycare Insurance

daycare

Unlike many companies and industries, daycares are not in the business of selling things; they are in the business of taking care of people. Parents entrust child care centers with their most precious and irreplaceable assets – their children. This puts daycares in a position for unique risks that require customized commercial insurance solutions. At Burstad Insurance, we help daycare owners find coverage that minimizes financial susceptibility to lawsuits, physical damages, and more.

Does Your Business Need Daycare Insurance?

Virtually all businesses need various types of insurance, including daycares, nursery schools, and child care centers. This also accounts for in-home daycare operations, for which owners are often the sole operators and caretakers. In fact, insurance is often a requirement for federal and state licensure– not to mention that many parents will only enroll their children in fully licensed and insured facilities. Furthermore, stand-alone daycare centers may be required to purchase coverage per the terms of a lending agreement, and home daycare providers may be required to purchase liability and property damage coverage for a home business in order to maintain or renew a homeowners insurance policy. These coverages are designed to protect the continuity of your business and safeguard you against major financial damages due to litigation or covered loss events.

Types of Daycare Insurance Coverage

Daycare insurance is often comprised of several coverage types and policies. Some are designed to protect your business property, while others can help cover the cost of litigation and financial liabilities. There may also be additional insurance coverages to suit specific needs, such as the risks of taking students on a field trip or hosting special events at your facility.

Daycare Property Insurance

Property insurance needs can vary based upon the size, location, and physical assets of your business. If your daycare is in your home, your home insurer may require property coverage that pays for damages caused by business operations. If your daycare is located in a secondary location, you may need more extensive property insurance for your structure, signs, interior fixtures, and more. There are several types of commercial property insurance available to daycares, some of which include:

Structural and Contents Coverage
This helps compensate your business for necessary repairs or reconstruction of the structure your daycare is located in. This generally includes the building your business is housed in, its signage, and property inside the daycare, such as cribs, computers, toys, and more. Structural and contents insurance coverage is generally limited to damages caused by certain types of covered events, such as fires, wind, theft, vandalism, and falling objects. Note that you may need contents coverage, but not structural coverage, if your daycare rents the space it operates from.

Outdoor Equipment
Imagine trying to maintain an orderly daycare or childcare center with no playground equipment. Considering the high cost of these types of structures, we recommend talking with an independent agent to find out how you can extend your coverage to include swing-sets, sandboxes, playgrounds, and more.

Daycare Liability Insurance

The cost of defending yourself against a lawsuit could total thousands or even tens of thousands of dollars. Add in the cost of any judgments and settlements, and it is easy to see why liability insurance is such an important part of protecting your business. Your childcare center may need several different types of liability protection. Examples include:

General Liability
This type of coverage can protect your business against general claims of negligence that resulted in a third-party injury or property damages. This coverage can pay for medical bills and judgments, as well as legal fees – even if the suit against you is dropped.

Commercial Vehicle Liability
Many daycare centers offer school pick-up services or otherwise use vehicles to transport children on field trips. These vehicles should be covered by commercial insurance protection that protects your vans and buses against damages and also protects your business against accident liability. Note that you may need a different type of coverage – non-owned auto liability – if you allow your workers to transport children in privately owned cars instead.

Molestation Liability
Despite rigorous background checks, sexual predators can still find jobs at daycares and childcare centers. If your employee is accused of sexual misconduct with a child, this coverage can help cover fines against your business, as well as other financial losses.

Physical Abuse/Corporal Punishment Liability
If your employee harms a child physically, your daycare business can be held liable. This coverage helps pay for financial damages if your staff is accused of administering corporal punishment.

Umbrella Insurance
Commercial umbrella insurance is used to supplement the liability coverage in a primary insurance policy. If, for example, legal fees and judgments consume the entirety of your general liability limits, you may be able to make a claim against your umbrella insurance for the remaining damages.

Additional Coverage Types

In addition to property damage and liability insurance, your daycare center may benefit from other commercial coverage solutions, too. Examples include:

Income Interruption
You may still have ongoing business expenses, including payroll costs and utility bills if your business is forced to close due to a fire or some other loss event. Talk to an agent about insurance that can help with the continuation of income if your business must temporarily close due to a covered event.

Workers Compensation
If you employ workers at your childcare center, you must purchase workers compensation. This coverage provides no-fault benefits when a worker is injured on the job. Not only does it provide the employee with compensation of lost wages and medical expenses, but it can also help protect your business by discouraging potential litigation.

Daycare Insurance Quotes

If you have a Central or Western Wisconsin daycare business, we want to help you protect it. Contact the team here at Burstad Insurance for more information and to request your free quotes.

Excellent
Burstad Insurance
Based on 63 reviews
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Margie M.
Outstanding service and very knowledgeable representative.
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.

Five Locations!

Menomonie
Chippewa Falls
Medford
River Falls
New Richmond

Our Hours

Monday - Thursday 8:00 - 5:00
Friday 8:00 - 4:00
Saturday & Sunday
By Appointment

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Our Latest Post!

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Why Your Homeowners Coverage A Limit May No Longer Be Enough to Rebuild

If you bought your Homeowners Insurance 15 years ago, you probably haven’t forgotten how affordable things once were. In 2010, the cost to build a new home was about $130 per square foot. Today, that number is anywhere between $225 and $300 or more. That kind of increase can mean that the coverage amount on …Read More

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