Wisconsin Business Insurance
Customized protection for your Wisconsin business
As a small business owner in Wisconsin, you should consider several types of business insurance for financial and legal reasons. Employee injury, customer mishaps and business property damage are a few of the many incidents that can lead to expensive lawsuits and recovery costs.
In 2022, private sector businesses accounted for over 88% of Wisconsin's 66,500 non-fatal workplace injuries. These types of situations can disrupt your business operations and jeopardize your cash flow, assets and more. Insurance helps minimize these setbacks.
The Progressive Advantage® Business Program can help you get workers' comp, general liability and more. Our licensed specialists will help you customize a Wisconsin business insurance policy unique to your specific needs.
Types of WI business insurance
This is the most common business insurance coverage, and nearly all businesses in Wisconsin should have it. It protects against third-party bodily injury and property damage, as well as personal and advertising injury.
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This coverage protects against damage to your vehicles and trailers, as well as injuries or property damage related to their use. You'll need this coverage if you use your vehicle to transport supplies or travel between job sites.
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Businesses in Wisconsin need workers' comp insurance if they regularly employ three or more employees. Workers' comp insurance helps pay for expenses related to employees becoming injured or ill while working for you.
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A BOP combines property and liability coverage into one easy-to-manage policy. It's a great option for small to medium-sized businesses that rent or own commercial property, such as a storefront, warehouse or office building.
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Wisconsin businesses that offer professional services should consider this coverage. It protects businesses from claims of professional negligence, both actual or alleged, and helps pay for defense costs. It's also known as errors and omissions insurance (E&O).
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This protects against incidents like data breaches and cyber attacks. It includes first-party and third-party protection for things like investigative services, data recovery and legal costs. Businesses that store or manage customer data, like credit card information, typically need this coverage.
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How much does business insurance cost in Wisconsin?
The cost of business insurance in Wisconsin depends on a variety of factors, including a business's location, size and coverage needs. For example, a business located in Milwaukee can expect a different rate than one in Green Bay, or a business with employees can expect to pay more than one that doesn't.
The most influential factor, however, is the type of work that you do. Each industry is exposed to different types of risk, which causes their rates to differ. High-risk professions, like manufacturers and roofing contractors, usually need specialized coverage and can therefore expect to pay more for insurance.
Learn more about the factors that influence your cost, or start an online quote to find out your rate.
Wisconsin business insurance requirements
Wisconsin state law requires businesses that regularly employ three or more employees to carry workers' compensation insurance. Different requirements exist for farmers and businesses without regular employees. Employers must get coverage through an insurance carrier unless they qualify for self-insurance. Learn more about workers' compensation in Wisconsin.
While other business insurance, like general liability, isn't required by state law, prospective clients might require coverage before you can begin working with them. Landlords will likely require that you have insurance before leasing a commercial building or property.
Resources for Wisconsin small business owners:
- Small Business Insurance Guide (Wisconsin Office of the Commissioner of Insurance)
- Workers' Comp Employer Resources (Wisconsin Department of Workforce Development)
- 2023 Wisconsin Small Business Profile (U.S. Small Business Administration)
- 2018 Wisconsin Workplace Injury Data (U.S. Bureau of Labor Statistics)
Wisconsin professions we insure
We help small business owners from a wide variety of industries, including these common professions:
- Contractors
- Landscapers
- Restaurants
- Dry cleaners
- Cleaning services
- Retailers
- Consultants
- Manufacturers
Browse more examples of professions we insure.
Why choose Progressive?
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Options We can help you secure coverage at any stage of your business's development with the flexibility to adjust your policy as your business changes. Our agents will work with you to make sure you're getting protection that meets both your needs and budget.
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Experts As the #1 commercial auto insurer in America*, you can trust us with all your business insurance needs. Our team of specially trained, in-house agents can assist you every step of the way to make sure you're getting the best coverage for your business.
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Convenience There are several ways to get a quote, whether you need a single Wisconsin policy or a combination of business insurance coverages. Simply start a quote online or call us to speak with an agent.
Business insurance for all Wisconsin cities
We can customize business insurance in all Wisconsin cities, including, but not limited to:
- Milwaukee
- Madison
- Appleton
- Waukesha
- Green Bay
- Kenosha
- Racine
- Eau Claire
- Oshkosh
- Janesville
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