Business Insurance in Wisconsin

Compare multiple quotes from top carriers with one application.
Forget-me-nots, Wisconsin's state flower.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

Save money by comparing insurance quotes for Wisconsin businesses

United States map.

Learn about Wisconsin's insurance requirements

Fill out one application.

Complete one free online application

Multiple insurance quotes to compare.

Compare multiple quotes and choose the best coverage

What are the requirements for small business insurance in Wisconsin?

State laws can affect which insurance policies you need for your small business. These policies are required for Wisconsin businesses.
Blue check mark

Workers' compensation insurance

Generally, Wisconsin state law requires businesses with three or more employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

Blue check mark

Commercial auto insurance

All business-owned vehicles in Wisconsin must be covered by commercial auto insurance. Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Wisconsin's commercial auto insurance requirements are:

  • Bodily injury liability: $25,000 per person / $50,000 per accident
  • Property damage liability: $10,000 per accident
  • Uninsured motorist coverage: $25,000 per person / $50,000 per accident

Recommended insurance policies for small businesses in Wisconsin

General liability insurance icon

General liability insurance

This policy is important for all Wisconsin businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
BEST FOR
  • Customer injuries at your business
  • Damaged customer property
  • Libel or slander lawsuits
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.
BEST FOR
  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

This policy helps Wisconsin businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
BEST FOR
  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs
Business owner’s policy icon

Business owner’s policy

This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for a Wisconsin business.
BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required for Wisconsin businesses that have three or more employees. It can cover medical costs for work injuries and illnesses.
BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

This policy is required for business-owned vehicles in Wisconsin. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
BEST FOR
  • Accidents involving business-owned vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

How much does small business insurance cost?

Business woman calculating costs of insurance.

Commercial insurance can be affordable for a small Wisconsin business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
View Small Business Insurance Costs

Insureon specializes in Wisconsin business insurance

In Wisconsin, insurance agents, agencies, and brokers are licensed by the Wisconsin Office of the Commissioner of Insurance. Insureon is licensed in Wisconsin as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 100195984).

You can verify our licensure with the National Association of Insurance Commissioners by selecting Wisconsin, licensee, business entity, and then entering our NPN or license number.

What our customers are saying
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
Custom programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
Insureon customer reviews on Feefo
Compare quotes for Wisconsin business insurance
Save money by comparing insurance quotes from top carriers.