Burstad Insurance

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        • 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.

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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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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.

Get a Quote!
Refer a Friend!
I really appreciate their friendly, prompt and knowledgeable assistance. We have been with them for years, and are consistently happy with their service.
Jeanne R.
Jeanne R.
17:46 14 Dec 22
Valorie provided excellent service and quickly found us the best insurance policy and rates available. Thank you, Burstad Insurance!
Roxanne S.
Roxanne S.
00:39 28 Aug 22
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.
Mindy A.
Mindy A.
09:30 24 May 22
Good service they work at finding you the best insurance
Jason W.
Jason W.
19:14 01 May 22
Easy to work with
Dale B.
Dale B.
00:39 08 Apr 22
Good insurance company
Carla O.
Carla O.
18:49 31 Mar 22
Easy to work with and great rates. Sent a lot of friends here. All are happy with it!
Happy Home I.
Happy Home I.
16:05 29 Mar 22
Melissa and her staff have always treated me right! Often finding better rates for me! Thanks
Dave T.
Dave T.
22:06 11 Jan 22
They are very responsive in addressing all of my insurance needs, and I always feel they are doing what's in my best interests.
Kevin J.
Kevin J.
02:40 11 Jan 22
Great place
Peter T.
Peter T.
20:32 10 Oct 21
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!
Jeremy M.
Jeremy M.
13:57 29 Apr 21
Great to work with!
Denise V.
Denise V.
18:57 12 Mar 21
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
Dawn B
Dawn B
23:02 30 Jan 21
Have had my insurance for different vehicles and homes for many years, always friendly and am very satisfied.
Randy Chico J.
Randy Chico J.
16:48 25 Aug 20
Great response time, #1 in the area
Joshua E.
Joshua E.
15:50 22 Jul 20
good business and friendly service. highly recommend giving them a call to see what they can do for you.
Dustin W.
Dustin W.
14:51 21 Jul 20
Very responsive all around good business and friendly service. Highly recommend.
Wedam Enterprises L.
Wedam Enterprises L.
14:49 21 Jul 20
Excellent customer serviceKent Elkin goes above and beyondAlso the rest of the staff is very accommodating
Lee B.
Lee B.
23:08 20 Jul 20
Prompt and courteous service. The good people at New Richmond have always replied to my queries and helped solve my problems. Thanks for seven years of good service.
Gordon D.
Gordon D.
18:25 20 Jul 20
They are professional and responsive
Barbara B.
Barbara B.
00:14 11 Jul 20
EXCELLENT customer service!! Missy Kraemer at the Medford office takes care of absolutely everything for me! No worries and best rates to be found. Highly recommend.
Mary Ellen W.
Mary Ellen W.
15:37 12 May 20
EXCELLENT insurance company! I have my personal and business insurance with Monte and have for over 20 years. When we had the tornado in Colfax in 2014, Monte called me and was at my restaurant door within an hour after it hit. Amazing service.... Thank you Monte, Penny and the whole staff at Burstad Insurance.
Rich J.
Rich J.
11:55 16 Apr 20
New Richmond Insurance consistently saves me money on my policies year after year. Excellent customer service with most of my questions answered the same day.
Valerie C.
Valerie C.
01:57 16 Apr 20
great place and nice service
Li K.
Li K.
20:20 15 Apr 20
Great place. Emily is very helpful as well as all the rest of the people I have encountered there.
Stacy C.
Stacy C.
03:06 04 Jan 20
Best prices. Best customer service!
Bill I.
Bill I.
12:49 16 Nov 19
Top notch service. Will recommend to all.
Steven G.
Steven G.
13:19 01 Nov 19
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
Ana B.
Ana B.
00:39 29 Aug 19
Excellent rates and service. Friendly staff and helped in a timely manner
Jason L.
Jason L.
03:56 13 Jun 19
Neil is awesome!
Alicia B.
Alicia B.
15:05 23 May 19
Very helpful agents and staff. They got me a great deal on homeowners and auto insurance.
John A.
John A.
12:01 12 May 19
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!
Jody L.
Jody L.
01:29 10 Apr 19
This is my insurance agency. I have been treated very well and my premiums are responsible.
Mitzi M.
Mitzi M.
11:25 25 Jan 19
They are the best I have ever used. Any time you need something, they have your back. Never had an issue with the company , and I would recommend Kent Elkin to any one and everyone. Thank you for all your services New Richmond insurance agency. Been with them for 3 years now.
Natasha R.
Natasha R.
04:28 30 Nov 18
Great staff!
Valorie M.
Valorie M.
20:54 13 May 18
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!
Brian H.
Brian H.
18:21 21 Sep 17
I have been a customer for a long time and love the personal customer service experience they provide. I can reach out anytime and know that I will get to talk to a real person that has the background on my policy and will be able to help me. Thanks and keep up the good work!
Brian H.
Brian H.
18:13 21 Sep 17
Corey Burstsad Insurance is great!! Neil always goes out of way for his clients, very trustworthy and efficient.
marcy M.
marcy M.
20:19 13 Jan 17
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.
Soleil
Soleil
20:52 05 Jun 16
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Why You Should Refer Your Friends and Family to an Independent Insurance Agent

Having the right insurance coverage is important, not just for yourself but also for your friends and loved ones. If you want to protect your family’s future, consider referring them to a trusted insurance agent who can help them find the right coverage. Car insurance is a necessary investment for all drivers. Auto accidents can …Read More

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