Small business insurance in Wisconsin
If you’re a small business owner, the State of Wisconsin is great to call home—and nearly half a million small businesses do. Those businesses are huge drivers of the state economy, too: They employ over 1.3 million Wisconsinites, or, put differently, nearly half of Wisconsin’s private workforce. So if you’re an entrepreneur in the Badger State, you can feel proud for being the foundation of Wisconsin’s economy. And you need the best business insurance to keep your company protected and operating during unexpected circumstances.
Fortunately, Huckleberry can get your company covered with WI business insurance in less time than it takes to brew a cup of coffee—about 5 minutes. Seriously. It’s all easy and online, too, whether you’re in Milwaukee, Green Bay, or Eau Claire. Try our 60-second rate calculator here.
The most common types of business insurance coverage in Wisconsin
Wisconsin workers' compensation pays for doctor visits, medical expenses, and lost wages if a member of your team gets sick or suffers a personal injury because of their job.
A Business Owner’s Policy (often shortened to BOP) is a crucial bundle of coverages that’ll protect your Wisconsin business in various circumstances. It contains general liability insurance, business interruption insurance, and property insurance.
Business liability insurance helps pay your legal costs if you’re ever sued for property damage, bodily injury, or advertising injury. An insurance requirement in WI.
Commercial property insurance helps pay for your company’s office building if it’s damaged or destroyed for a covered reason, while business personal property insurance covers what’s inside the building.
If you ever need to close your doors for a covered reason temporarily, this policy helps cover payroll costs, tax payments, and relocation costs.
How much does Wisconsin business insurance cost?
First, know that there’s no one-size-fits-all answer to this question. The cost of business insurance in Wisconsin depends on many variables, such as where you are in the state, your industry, how many people you hire, and your overall business insurance needs. Insurance providers will require less money from a 2-employee lawn care business in Racine than a restaurant with 20 employees in Madison. That said, Huckleberry customers in Wisconsin have paid as little as $86 per month for workers’ compensation and $21 per month for a Business Owner’s Policy.
What’s the quickest way to determine what your business would pay for small business insurance? Hint: It’s not going to a brick-and-mortar insurance agency. Get a business insurance quote with Huckleberry today. (It really does take only a minute, and the questions are easy, top-of-mind stuff.)
Other types of insurance coverage options for your Wisconsin business insurance policy
Employment Practices Liability Insurance
If an employee sues you for an illegal practice (such as wrongful termination or harassment), this coverage will pay out for legal fees and a financial settlement.
Hired and Non-Owned Auto Insurance
A type of commercial auto insurance. If someone connected to your business causes harm with a personal auto that your company doesn’t own, this coverage helps pay for the legal and liability costs.
Professional Liability Insurance
Also called errors and omissions insurance. This coverage helps cover your legal costs and settlement if you cause harm to a client during a professional service.
If your Wisconsin business ever overserves alcohol to a customer—and they go on to cause property damage or bodily harm—your liquor liability policy pays out to cover the damages.
Pays a financial benefit if you lose perishables due to a fridge malfunction or power outage (or any other covered reason).
Helps you get a repair or replacement if a piece of equipment breaks down for a covered reason.
A restaurant-specific package of coverages that will protect your food-service business in various circumstances.
Compensate your company for financial losses if an employee ever steals from you (directly or indirectly).
The most common industries getting small business insurance in Wisconsin:
4 reasons why business owners in Wisconsin love Huckleberry
- It takes just 5 minutes to get covered.
- You can save up to 32% on the coverage you need.
- We explain everything in straightforward English, unlike other insurance companies.
- You manage your policy online—no paperwork. Ditch the old insurance agent today.
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