Burstad Insurance

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New Richmond Insurance Agency
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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.

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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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Grocery Store Insurance

grocery store

Grocery stores serve the needs of virtually everyone, with many patrons making multiple visits every week. Whether you run a small, single-location market or multiple super-stores throughout your region, you have a lot of risks to consider, many of which are unique to your industry. Not only does your business have large structures and perishable inventory to protect, but you likely also have a large staff, heavy equipment, and extensive foot traffic. Furthermore, changing technology and competitive trends in the industry are making grocery stores more dependent upon electronic technology than ever before, with many choosing to obtain and store sensitive customer data in an effort to engage in highly personalized marketing strategies. With all of these risks and the enormous investment it takes to start a successful grocery business, you need dependable grocery store insurance to safeguard your assets and defend you against major financial loss.

Does Your Business Need Grocery Store Insurance?

Whether you operate a small, independent grocery store or a bigger supermarket chain, insurance is an essential part of protecting your business and maintaining compliance with local and state laws. Some types of coverage, such as workers compensation, is generally considered mandatory for grocery store owners. Others, such as property insurance, may be required by a lender per the terms of a loan agreement. Remaining coverages may be optional, but they could save you a bundle in potential losses and liabilities. For help assessing your store’s coverage needs, contact an agent here at Burstad Insurance today.

Types of Supermarket Insurance Coverage

A typical grocery store has a collection of insurance policies that together provide various types of coverage against a wide range of risks. Although your store’s unique coverage needs may vary, most types of grocery store insurance can be categorized into one of insurance types – property, liability, and other.

Property Insurance

Commercial property insurance includes protection for your store’s physical assets and inventories. With signage, square footage, perishables, non-perishables, refrigeration and kitchen equipment, heavy equipment, computers, fixtures, and other items on hand, your business has a lot at stake in the event of a fire or other loss event. Property insurance is designed to protect you against these types of financial vulnerability with several different types of coverage. Examples include:

Structural and Property Coverage
This type of insurance helps pay for the rebuilding or repair of your building due to damages caused by a covered event. Examples include vandalism, theft, lightning, fire, wind, and smoke damages. Your insurance can also cover the equipment, furnishings, inventory, and other physical assets inside your business when they are damaged or destroyed, as well.

Equipment Breakdown Coverage
Grocery store revenues are highly dependent upon the functionality of heavy equipment. Mechanical failures can cost your business a lot of money not only in lost income, but also in repair costs. From HVAC units and freezers to bakery ovens and forklifts, talk to your independent agent about coverage that can help pay for repairs when your equipment breaks down.

Food Spoilage Coverage
Meats, dairy, and frozen items make up a large section of your inventory. If your store loses power due to a covered event, you may be forced to dispose of these items due to food safety risks. In these cases, food spoilage insurance can help compensate you for the loss of spoiled inventory, so you can restock your shelves again.

Liability Insurance

Your store faces new liability risks every day you are in business. There are countless customers, employees, and vendors entering the premises, any of whom could become injured on your property. Furthermore, you could be vulnerable to litigation and financial liability if your business causes third-party property damage, personal injury, bodily injury, or other types of harm due to negligence or unintentional acts. For these reasons, most grocery stores need several types of liability insurance to mitigate their risks. Examples include:

General Liability
This type of coverage insures your grocery store against injury and property damage claims that occur on your premises.

Liquor Liability
If your store sells beer, wine, or spirits, you may need liquor liability insurance to help cover the cost of damages related to the selling and distribution of alcohol.

Druggist Liability
If your supermarket has a pharmacy in it, simple errors could result in extensive financial liability. Druggist liability insurance helps protect your store against lawsuits stemming from the filling of prescriptions and other pharmaceutical activities.

Product Liability
When you unintentionally sell contaminated foods, faulty products, or other unsafe items, you could be held financially responsible for resulting injuries – even if the defect is the fault of the manufacturer or distributor. Product liability insurance can help protect your store with coverage for injuries and illnesses caused by these items.

EPLI
Employment practices liability can provide financial coverage if you are accused of unfair or unlawful hiring, firing, and employment activity, such as discrimination, sexism, and more.

Cyber Liability
This type of coverage helps pay for victim notification, security restoration, credit monitoring, and other related expenses when cyber criminals hack into your databases and steal sensitive third-party information.

Umbrella Insurance
If your liability limits are insufficient to cover a victim’s damages and your legal fees during a lawsuit, you may be able to file a claim against umbrella insurance for excess damages. Umbrella insurance can offer millions of dollars in supplemental liability coverage when you exhaust the limits on your primary policy.

Other Insurance

Additional coverages are also available. At Burstad Insurance, we can help you determine which types of protection may be necessary depending on the size of your store and the extent of your operations. Examples include:

Workers Compensation
This coverage is mandatory for employers. It offers no-fault lost wage compensation and medical expense coverage for employees when they are injured on the job.

Business Interruption Insurance
This type of coverage helps pay for your ongoing operational expenses when you are forced to close your store temporarily due to a covered event or loss.

Wisconsin Grocery Store Insurance Quotes

If you own one or more grocery stores in Central and Western Wisconsin, the team here at Burstad Insurance wants to help you build a strong insurance portfolio that limits your risk exposure and vulnerability to loss. Contact our office today for more information or to request your free quotes. We look forward to serving you soon.

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Refer a Friend!
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.

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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