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Bronson Insurance Services

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. 

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