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2345 W Ryan Rd, Suite H
Oak Creek, WI 53154

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Bronson Insurance Services Blog

Different Types of Motorcycle Insurance

Each person operating a motorcycle in Wisconsin must possess, at a minimum, liability insurance. Motorcycle drivers also need to carry proof of coverage with them while driving. 

Bronson Insurance Services is here to assist Oak Creek, WI bikers with this important coverage. Here’s what to know about the motorcycle insurance options available for your bike.

Bodily Injury and Property Damage Liability

Bodily injury and property damage are the basic liability coverage every motorcycle driver has to have in case they cause harm to another person or their property.

The minimum liability amounts in Wisconsin are $10,000 for property damage, $25,000 for the injury or death of one person, and $50,000 for the injury or death of more than one person.

Uninsured or Underinsured Motorists

Coverage for uninsured or underinsured motorists protects against accidents with people who don’t carry insurance for themselves.

Comprehensive and Collision

Comprehensive coverage pays for repairs or a replacement for your motorcycle if it’s stolen, vandalized, or damaged. Collision coverage pays for repairs or replacement in case of damage from an accident.

Medical Payments

This coverage compensates for reasonable and necessary medical expenses resulting from an injury to you or any passengers.

Towing and Labor Coverage

This provides reimbursement for the cost of towing or other related labor if your bike breaks down or is in an accident.

Roadside Assistance and Trip Interruption

If your motorcycle is disabled, roadside assistance coverage can help get it somewhere for repairs. Trip interruption coverage covers up to a certain amount of money required for meals and hotels due to the interruption.

If you’re unsure what makes the most sense for you when creating a policy, then it’s best to consult an expert.

Reach Out To Us!

For extra help with your motorcycle coverage, contact the insurance providers at Bronson Insurance Services, servicing Oak Creek, WI.

Three things to do when you need boat insurance

Bronson Insurance Services is here to help you to get boat insurance. If you’re a boat owner in Oak Creek, WI, there are a few things you’ll need to do to get the boat insurance coverage that you need.

The following are three things to do when you need boat insurance:

Figure out what your coverage needs are.

You should consider whether you’re required to have coverage by your boat loan lender or by your marina. If so, you should know how much coverage you are required to have and which types of coverage your policy should include. 

Go online and find boat insurance providers.

The Internet is a great resource when you are shopping for any type of insurance policy. Fill out the form on our website to compare and explore boat insurance provider options.

Get policy quotes and compare them.

Once you’ve found some good insurance providers offering boat coverage in your area, you should get quotes from them. Getting quotes from different providers helps give you a good idea of what a competitively priced policy looks like in your situation.

Compare not only the costs of quotes but also the types and quality of the coverage they offer. You want to choose the boat insurance policy that offers the most value. 

Reach Out To Us

You can rely on us at Bronson Insurance Services to assist you when you’re on the market for boat insurance. Consumers in Oak Creek, WI can get in touch with us to get a quote on a boat insurance policy. 

Frequently asked questions about umbrella insurance

Umbrella insurance works differently from other types of insurance. What exactly is umbrella insurance? Bronson Insurance Services in Oak Creek, WI is happy to help you navigate this vital coverage. Here are some commonly asked questions about umbrella insurance and our answers to those questions:

What should I look for in an umbrella policy?

There are a few things you should look for in a policy. The first thing to look for is how much your umbrella policy covers. It is necessary to make sure you have enough coverage in your umbrella policy.

Before getting umbrella insurance, you must look at your home and auto insurance policies. For some people, their auto and home insurance are enough. If that is the case for you, then it might be pointless to get umbrella insurance.

What are the pros and cons of an umbrella policy?

Some pros of an umbrella policy include lots of coverage and protection from legal and financial liabilities. Some of the cons of umbrella insurance include difficulty in knowing how much coverage is needed and increased costs that might not be beneficial.

What affects an umbrella insurance policy premium?

Some factors that affect your home and auto insurance can also affect your umbrella insurance premium. These include your location, the type of car you drive, what features you have in your home, and the history of your claims.

Does an umbrella policy cover a lawsuit?

An umbrella policy covers legal fees related to the claim, such as your defense fees, court costs, and judgment costs. Umbrella insurance covers bodily injury, property damage, slander, defamation, and libel.

Reach Out To Us

If you need more information about umbrella insurance, contact us at Bronson Insurance Services in Oak Creek, WI.

Do I need flood insurance on top of my homeowner’s policy?

Home insurance typically covers certain types of water damage, but only if it’s caused by a specified peril (like a broken pipe). Floods, however, are not usually covered by standard homeowners insurance policies. That means that if you live in an area prone to flooding, you’ll need extra flood insurance coverage in order to protect your home and belongings.

Fortunately, at Bronson Insurance Services, we specialize in covering Oak Creek, WI area homes and businesses from floods and other disasters.

Why Flood Insurance?

Flood insurance can provide important protection if your home or possessions are damaged by floods. It can help pay for repairs to your home or the replacement of lost or damaged possessions. And while the cost of flood insurance depends on several factors (including where you live and how much coverage you want), it’s often more affordable than you might think.

Fortunately, obtaining flood insurance doesn’t have to be difficult: The National Flood Insurance Program (NFIP) offers coverage for all 50 states at competitive rates. So, if you’re wondering whether it’s worth getting flood insurance on top of your homeowner’s policy—the answer is yes! Taking out additional flood coverage could give you the peace of mind of knowing that if a flood does strike, you won’t be left with potentially devastating financial losses due to lack of protection.

Give Us A Call

If you have any questions about your coverage, or if you want tips to help prepare your home or business in case of a flood, give us at Bronson Insurance Services a call today. We proudly serve the Oak Creek, WI area and would be glad to help you prepare for whatever Mother Nature has in store.

Four of the most important things to know about home insurance

Being informed is essential when you make decisions about home insurance in Oak Creek, WI. Bronson Insurance Services is a great source of information on this vital coverage. 

Below are four of the most important things to know about home insurance:

You can choose how much coverage to carry.

Home insurance providers give you various options when it comes to how much coverage you’ll carry. You need to carefully consider how much coverage you need. 

The amount of coverage that you need on your home insurance policy depends on numerous factors including the value of your property, assets, and personal possessions within your property. 

Home insurance providers offer discounts.

Fortunately, there are a lot of discounts offered by home insurance companies.

You can save money with home insurance discounts if you invest in home repairs and security features. You can also save money by taking advantage of automatic payment features or bundling your home insurance policy. 

There are many sources of information on home insurance.

If you want to be as informed as possible about home insurance, then you need to use the resources that you have available.

You can learn about home insurance by using the Internet and exploring the sites of insurance providers. You can also get information on home insurance options by consulting with your real estate agent, neighbors, or local phonebook. 

You can choose between an actual cash value policy or a replacement cost policy. 

If your home insurance policy offers actual cash value coverage, you get compensated for the current market value of your property if your home is destroyed. With a replacement cost policy, you’ll get the funds to completely rebuild your home if it is destroyed. 

Contact Us Today

Feel free to get in touch with us if you want to learn more about insuring your home in Oak Creek, WI. Call or email Bronson Insurance Services to get a policy quote. 

Who Benefits from Transportation Insurance?

Oak Creek, WI business owners are required to purchase commercial auto insurance when they operate motor vehicles in association with their corporations, and this can include work trucks, buses, and vans. 

Benefits of Transportation Insurance 

People who arrange for you to transport their goods have assurance when you have transportation insurance. It means that if their items are destroyed, they may have a financial remedy without necessarily having to take you to court. This expedites the process of recovering any loss and is also something a company may require before partnering with you. 

Transportation insurance can also benefit the parties who receive your shipments, as it ensures reliable service from you. Companies that receive products on a regular schedule need suppliers who can guarantee expedient and dependable delivery of the goods they rely on. 

Your indemnification helps ensure your company runs smoothly even amid unforeseen circumstances, and your Bronson Insurance Services representative can provide specific details as to what would be covered. 

Companies who operate trains carrying cargo can have peace of mind when they buy transportation insurance, and trucking companies also need protection against risks, such as accidents or severe weather. In addition, they can move substances composed of hazardous materials which pose additional peril to those on the road or who are involved in a wreck. 

You may also incur costs due to delays outside your control when they interfere with schedules, and your cargo can be subject to damage from vandalism. In addition, transportation vehicles can be robbed or can catch fire when involved in a collision, destroying freight. 

Let Us Help

Oak Creek, WI residents benefit from Bronson Insurance Services in a variety of ways, as we tailor our packages to suit their needs. We look forward to receiving your call, internet visit, or in-person consultation and can answer any questions you may have. 

Double check your policy before heading out on your snowmobile this winter

Bronson Insurance Services is proud to serve the insurance needs of our friends and neighbors in the greater Oak Creek, WI area. We know how much fun it is to get out on a snowmobile in the winter. Be sure to give your policy a review before heading out for the season!

Check your insurance before heading out on your snowmobile

Just like you give your snowmobile a double-check before heading out for the season, so too should you look at your insurance policy. There are a lot of reasons why snowmobile insurance is so important. One of the main reasons is the coverage that it provides for collision mishaps, injuries and medical expenses, and liability.

If you plan on using your snowmobile a lot this winter, be sure that you have the coverage you need before heading out into the snow. This is also true if you transport your vehicle on a trailer and need additional coverage for when the vehicle is in transit. You will also want to ensure that you have protection in the event that an accident occurs that causes injuries. Coverage for medical expenses as well as liability protection is also very important. 

Once you’ve reviewed your policy, be sure to contact your local agent if there are any gaps in coverage or the need to increase the level of protection that the policy provides to enjoy your winter season.

Give us a call today!

Snowmobile owners and outdoor enthusiasts in the Oak Creek, WI area can turn to the team at Bronson Insurance Services for all of their specialized insurance needs. We understand the importance of protecting these vehicles, yourself, and your passengers. Call or come by our office today to learn more.

How to Make Sure Your Motorcycle is Safe Before Every Ride

You love your motorcycle. It’s your baby. You take care of it and ensure it’s pristine before every ride. But is that enough? No matter how well you take care of your bike, there’s always the potential for something to go wrong. That’s why it’s essential to do a safety check before every ride. Here’s a quick checklist from Bronson Insurance Services in Oak Creek, WI to help you make sure your motorcycle is safe before you hit the road.

What to Look for When Checking Your Motorcycle:

Lights and Signals

When performing lights and signals check on a motorcycle, check the headlight, taillight, brake light, turn alerts, and hazard lights. Ensure all the lights are working correctly and synchronized turn signals and hazard lights.


It is essential to check the tread depth and condition of the tires. It is also important to check the tires’ air pressure and ensure that the tires are inflated to the proper level.

Throttle and Clutch

When checking the throttle and clutch cables, look for fraying, kinking, or breaking. The line should be lubricated, but not excessively. In addition, make sure that the throttle moves smoothly and evenly.

Gas and Oil

Be sure to check the oil level and quality, as well as the fuel level and quality. Also, check for any leaks in the gas or oil lines.

Get Motorcycle Insurance Today

Insurance is essential to motorcycle safety because it can help cover the costs of damages and injuries incurred in an accident. It can also provide peace of mind in knowing that you and your loved ones are protected in the event of an accident. Discover more about your insurance options and contact Bronson Insurance Services in Oak Creek, WI today!

Why Boaters Should Have Boat Insurance

If you are a boater, it’s never a good idea to leave yourself and your boat vulnerable by skipping boat insurance. In Wisconsin, it isn’t required for boat owners to have boat insurance unless they have a commercial fishing boat. However, it’s always a smart choice to have boat insurance to protect yourself.

If you don’t have a boat policy, call us today at Bronson Insurance Services in Oak Creek, WI to get one of your own.

Why Boaters Should Have Boat Insurance

Liability Boat Coverage

Boat collisions happen with frequency, and they can be expensive when you are held liable for the accident. Having an accident on the water can mean that you have to pay for the damages to the other party, including medical bills that can be highly expensive. With the high cost of medical bills, it’s always a good idea to have liability coverage for your boat. Without it, you could face economic hardships as you try to pay for the bills that you owe for the damages. 

Other Boat Coverage

In addition to liability coverage, there are other types of coverage that are helpful for your protection. It’s helpful to get personal article coverage to protect your items that are lost during an accident. You may also want to get comprehensive coverage. This protects you in case of damaging incidents that happen to your boat when it isn’t on the water. There are a number of risks that exist for boats when they’re on land, and this protection can save you from highly expensive repair and replacement costs if they should happen. 

Get Coverage for Your Boat

Even when it isn’t required, it’s important to have boat insurance whenever you own a boat. It’s a good idea to have this protection at all times. Call us at Bronson Insurance Services in Oak Creek, WI.

Why You Need Umbrella Insurance

Umbrella insurance is a unique type of coverage that adds to the coverage that you have in other policies. When you have auto and home insurance, it’s possible that you don’t have enough coverage in case of a serious accident. That’s where umbrella insurance steps in and gives you the coverage you need. If you want umbrella insurance, call us at Bronson Insurance Services in Oak Creek, WI to find out more. 

Umbrella Insurance: What You Need To Know

Your Home and Auto Policies

Having home and auto insurance policies keeps you protected in many ways, but they often don’t give you as much liability protection as you need. When serious accidents happen, you can expect extremely high medical bills to become due, and your home or auto insurance may not be able to pay them all. When this happens, you will have an overage that you are responsible for paying. That’s why getting umbrella insurance is so important. It gives you more liability protection for both of those policies so that you are far better protected. 

How It Works

When you have an umbrella policy on top of your home and auto policies, the umbrella policy adds extra liability coverage so that any overages can be paid. The home or auto policy comes in first after an accident has happened. The policy will then pay for the medical bills and other costs up until the policy reaches its maximum. Then, the umbrella policy steps in and pays the rest so that the overage is covered. Umbrella policies have extremely high maximums, so it’s unlikely for any bills to be left after an umbrella policy has been paid. 

Get Your Umbrella Policy

When you want better protection against liability, it’s important to have an umbrella policy. To find out more about them, call us at Bronson Insurance Services in Oak Creek, WI.

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