Wisconsin Business Insurance

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Small business insurance in Wisconsin

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 property damage are a few of the many incidents that can lead to expensive lawsuits and recovery costs.

In 2023, private sector businesses in Wisconsin experienced 56,200 non-fatal workplace injuries and illnesses. These situations can disrupt your business operations and jeopardize your cash flow, assets, productivity, and reputation. Choosing the right insurance can help minimize these setbacks.

Progressive Commercial offers a range of coverage options, including general liability, workers' comp, and professional liability. Start a quote online or speak to a licensed specialist to customize a Wisconsin business insurance policy specific to your needs.

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Types of WI business insurance

General liability

Though not required by law in Wisconsin, general liability insurance is the most common type of business coverage. It can be essential if you interact with clients or the public, as it protects against third-party bodily injury, property damage, personal and advertising injury, and more.

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Commercial auto

This insurance protects your business vehicles and trailers and covers injuries or property damage related to their use. You need this coverage if you use your vehicle to transport supplies or travel between job sites.

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Workers' compensation

Businesses in Wisconsin need workers' comp insurance if they regularly employ three or more employees. Workers' comp insurance helps cover medical costs and lost wages for employees who get injured or sick while on the job.

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Business owners policy (BOP)

A BOP combines property and liability coverage into one manageable policy. A great option for small to medium-sized businesses that rent or own commercial property, it provides protection for incidents such as theft, accidents, and lawsuits.

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Professional liability

Wisconsin businesses that offer professional services should consider this coverage, also known as errors and omissions insurance (E&O). It protects your company if someone claims you made a mistake and helps pay for legal expenses.

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Cyber insurance

This insurance protects against data breaches, cyber attacks, and other digital threats. It covers your data recovery, business interruption, and other personal losses, as well as legal expenses when someone files a claim against you.

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How much does Wisconsin business insurance cost?

In 2024, the national median cost of business insurance for new Progressive Commercial customers ranged from $42 per month for professional liability to $80 per month for workers' comp.

What you'll pay for business insurance in Wisconsin depends on various factors, including your company's location, size, number of employees, and coverage needs. For instance, the cost of business insurance in Milwaukee will differ from insurance in Green Bay because it has a larger population and metro area, which could increase the chance of liability claims.

The industry you work in is also a significant factor. High-risk professions, such as construction, roofing, and long-haul truckers, usually need specialized coverage that can have higher premiums.

Learn more about the factors that influence your cost, and start an online quote to determine your rate.

Wisconsin business insurance requirements

Wisconsin state law requires workers' compensation insurance for businesses with three or more employees. Sole proprietors or companies without regular staff might have different insurance requirements, but the rules can vary by industry and business structure. You'll need to get coverage through a licensed insurer like Progressive Commercial, unless you qualify for self-insurance.

Common types of business insurance, such as general liability, aren't mandated by Wisconsin state law. However, prospective clients may expect you to have coverage before you can work with them. For instance, landlords will likely require you to have insurance before you lease a commercial building or property.

Explore more essential business insurance resources.

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)
2025 Wisconsin Small Business Profile (U.S. Small Business Administration)
2023 Wisconsin Workplace Injury Data (U.S. Bureau of Labor Statistics)

Wisconsin professions we insure

We help small business owners from a variety of industries, including these common professions:

Browse more examples of professions we insure.

Why choose Progressive Commercial

Options

We can help you get coverage at any stage of your business's development and adjust it as you grow. Our agents will work with you to ensure you get protection that meets your needs and budget.

Experts

As America's #1 commercial auto insurer,^* you can trust us with your Wisconsin business insurance needs. Progressive Commercial's specially trained, in-house agents will assist you every step of the way to make sure you're getting the right coverage.

Convenience

There are several ways to get a quote, whether you need a single Wisconsin commercial business insurance policy or a combination of coverages. Start a quote online or call us to speak with an agent.