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

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Bronson Insurance Services Blog

Why Commercial Insurance is a Must

If you are the owner of a business, then it’s likely that you have poured your blood, sweat, tears and money into ensuring success. Consequently, having the right commercial insurance is of paramount importance because it can be the difference between salvaging your business during a disaster and losing it all.

Specific to Wisconsin, businesses are required to carry two types of insurance – workers’ compensation and commercial auto insurance. Bear in mind that just because these are the only two insurances required does not mean that you shouldn’t consider supplementing your policy with additional coverage.

For starters, workers’ compensation insurance is required for any business that employs three or more people – regardless of whether they are full or part-time. Workers’ compensation insurance is a policy that pays for medical bills that are the direct result of workplace injuries and illnesses. Additionally, the liability insurance included within this policy helps protect the business if an employee sues because of the injury. Next, commercial auto insurance is required on any business-owned vehicles in Wisconsin with the following minimum requirements for auto liability coverage:

  • $25,000 Bodily Injury Liability Per Person
  • $25,000 Bodily Injury Liability Per Accident
  • $10,000 Property Damage Liability
  • $25,000 Uninsured Motorist Coverage Per Person
  • $50,000 Uninsured Motorist Coverage Per Person

In addition to these required coverages, Wisconsin businesses may want to consider additional protection offered through policies like cyber liability coverage, professional services coverage, and general liability insurance.

At Bronson Insurance Services in Oak Creek, WI our friendly and knowledgeable team of insurance professionals can help answer your commercial insurance questions. Give us a call or stop by our office to learn more today. 

Why is commercial insurance needed in Oak Creek?

When you are in the Oak Creek, WI area, you may find that starting a small business is a great career path. Those that own a company here can do very well if they properly protect their company. A great way that you can do this is with commercial insurance protection. This type of insurance is needed by a business for a few different reasons. 

Insurance Protects Business

A common reason that people need commercial insurance in this area of the state is that it will help to protect their business. A business owner in this area of Wisconsin will always want to ensure that their company and business investment is properly protected. When you invest in a full commercial insurance plan, it will provide you with the coverage needed to protect your business investments and mitigate liability risk.

Insurance is Required

You will also want to get a commercial insurance plan because it could be a requirement for your business. Many companies today are required by some agreement to get commercial insurance coverage. When you take out a business loan or raise outside capital, the parties you are under contract with will likely require that you carry commercial insurance. If you do not have this coverage, you could be in default of your agreements.

Anyone that would like a commercial insurance plan should speak with the team at Bronson Insurance Services. Those who are all over the Oak Creek, WI area have found that Bronson Insurance Services can offer the guidance and support needed to build and choose an ideal policy. This will help ensure that your business’s future is protected and that you are in compliance with any insurance obligations that you have. 

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