FOR WISCONSIN BUSINESS OWNERS
Business insurance that starts with your operation.
A retail shop and a contractor face different risks. Tell us how your business works, and we'll help you explore coverage for the property, people, vehicles, and responsibilities that matter to you.
Coverage areas to discuss
Your business insurance conversation may include several types of protection. The right mix depends on your industry, operations, property, employees, and vehicles.
Property & income
Ask about protection for buildings, equipment, inventory, and income affected by a covered interruption. A leased storefront and an owned workshop may need different approaches.
Liability
General liability can address certain third-party injury or property-damage claims. Depending on your work, it may be worth discussing other liability exposures too.
People & vehicles
Commercial auto, workers' compensation, and commercial umbrella options can be part of the conversation when your business drives, employs people, or needs additional limits.
Built around the work you actually do
Hess Agency can talk through coverage questions for shops, service businesses, contractors, restaurants, offices, and other Wisconsin operations. We'll ask what you own, where you work, who drives for the business, and what would interrupt your day-to-day operations.
Getting started: Send a quote request with your business type and what you want to insure. Riley will follow up to discuss details and available options.
Helpful details to have ready
- Your business activities and locations
- Whether you own or lease your space
- Vehicles used for work
- Approximate number of employees
- Existing coverage, if you want it reviewed
You don't need to send sensitive documents in the form. We can discuss what is needed when we follow up.
Common questions
Is personal auto insurance enough for a business vehicle?
Not always. How a vehicle is used and who owns it can affect the type of policy needed. Let's review your driving activities before assuming a personal policy fits.
Can a small business combine property and liability coverage?
There may be package options depending on the operation and eligibility. We can discuss what belongs in one policy and what may require separate coverage.
Coverage descriptions are general. Availability, terms, limits, exclusions, and eligibility vary by policy; an agent can review the details with you.