Burstad Insurance

Guarding Your Future - Maintaining Your Trust

New Richmond Insurance Agency
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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
          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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Umbrella Insurance

Lawsuits are in the headlines every day, and it seems no one is immune to them. It is not just businesses and the ultra-wealthy who are sued; anyone can be the subject of litigation, and virtually everyone has something to lose. Whether you are hit with a liability lawsuit just out of college or once you’ve reached your retirement years, a single judgment and court costs could cost you years of hard-earned income and assets, both present and future. To preserve your future income and nest egg, talk to an independent agent at Burstad Insurance about personal umbrella insurance and how it could protect you against financial devastation.

What is Umbrella Insurance?

Umbrella insurance is stand-alone liability protection that supplements your primary liability coverage. It usually has very high limits of protection – often $1 million or more. The coverage is flexible, adding to the protection you receive through your auto, homeowners, renters, and boat insurance. After you exhaust the liability limits of these policies, umbrella insurance helps cover the excess damages and costs, up to the limitations of your coverage. Furthermore, because personal umbrella insurance is secondary protection, it generally presents inexpensive premiums that are quite affordable for the average household.

In some cases, umbrella insurance assumes the role of primary coverage when there is no liability coverage available from another policy. This coverage is typically limited to certain types of damages, such as those caused by accusations of:

  • Libel
  • Slander
  • Defamation
  • Rental damages
  • Landlord liability
  • Travel-related liability
  • And more

What to Expect from Umbrella Insurance

Though we hope you never need to file a claim, the following is an example of how umbrella insurance might work in real life:

Your 16-year old daughter is looking after your niece and nephew in the upstairs of your home. She places the infant in a rolling walker while she puts a puzzle together with the preschooler. In just seconds, the infant takes a tumble down the stairs, sustaining severe, life-threatening injuries. The child’s parents sue you for medical bills, caretaking expenses, lost wages, pain and suffering, and more. Your medical payments coverage and $250,000 homeowners liability coverage only pay a quarter of the damages, leaving you with $750,000 in additional liability. Thanks to your umbrella policy, the additional damages are covered in addition to your court costs.

Had you not purchased umbrella insurance, the family could have pursued your personal income and assets for the remaining damages, resulting in liquidations and potential wage garnishment. It also could have derailed your plans for the future, whether for your teen’s college education, the down payment on a vacation home, or even your personal retirement.

General Exclusions

Umbrella insurance policies usually include supplemental and primary liability coverage for several different types of losses. In addition to paying your legal fees if you are sued, it can also cover damages related to third-party injuries or financial losses. However, there are certain events that are excluded from coverage. Examples include your own personal losses and injuries due to a covered event, as well as the damages you are liable for due to a willful, intentional, and/or illegal act. For help understanding which types of liabilities are covered and which ones are excluded, contact our office to speak with an independent agent today.

Do You Need Umbrella Insurance? Probably.

Umbrella insurance can be one of the most beneficial types of insurance protection, yet it is often the most under-utilized and lesser known coverage available to individuals. Those who have heard of umbrella insurance may assume it is for wealthy individuals who need to protect millions of dollars worth of assets. In reality, middle-class, working families often benefit from personal umbrella insurance, too. Just one major lawsuit can wipe out a lifetime of savings or otherwise reduce a person’s ability to earn and save for the future. Could you afford to build or rebuild your nest egg if you suddenly faced a seven-figure liability judgment?

Before you make a decision about liability insurance, consider that your coverage needs do not only concern your current net worth, but also your ability to accumulate financial assets in the future. We typically recommend umbrella insurance to individuals who:

  • Plan to work and earn income in the future
  • Expect to receive a significant inheritance or windfall
  • Have accumulated significant savings and assets
  • Travel internationally
  • Plan to pay for a major expense, such as a child’s college tuition
  • Own rental properties
  • Own high-risk assets, such as a dog, pool, or trampoline
  • And more

Selecting Your Coverage

No matter what stage of life you are in or how wealthy you are, chances are you could benefit from adding an umbrella policy to your insurance portfolio. These affordable policies typically provide $1-2 million of coverage for less than the cost of dinner for two each month. It is even more affordable for each additional million dollars in protection you add – little more than the cost of a latte each month.

Shopping and applying for coverage is simple and easy when you use an independent agent at Burstad Insurance. Insurers typically require a minimum amount of coverage before issuing umbrella insurance, so we can help you review your primary liability limits to ensure they meet the standards of your insurer. We can then compare rates and coverage to help you find the policy you need at a competitive price.

For more information about umbrella insurance for Central and Western Wisconsin residents, contact our office today. 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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IIAW

Our Latest Post!

a wind storm

Reviewing Your Homeowners Coverage Before the Stormy Season

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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