Contracting work comes with real-world risks, including job-site injuries, property damage, vehicle accidents, and project delays. Having the right contractor insurance helps protect your business, your crew, and your reputation when the unexpected happens.

At Senica Insurance, we work with contractors in Stevens Point, Appleton, and throughout Wisconsin to build insurance coverage that matches how you actually work. Whether you’re an independent contractor or managing multiple crews, we help you stay protected and compliant so you can focus on the job.

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We work quick and efficiently to get you fast & accurate quotes.

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We use confidential E-Forms so you can easily sign and send documents.

We give you choices, to get the best coverage

With access to multiple companies we check rates and coverage types with multiple companies at once.

Save money, see the savings we can get you!

By shopping around you can rest assured we are getting you the best policy and price in the market.

Why Contractor Insurance Matters

Contractors face different risks than many other small businesses. You’re often working on active job sites, using tools and equipment, traveling between locations, and interacting with clients, property owners, and other trades.

The right contractor insurance helps protect against:

  • Injuries to third parties on a job site
  • Accidental property damage during a project
  • Vehicle accidents involving work trucks or vans
  • Claims that arise after a project is completed
  • Contract requirements from clients, general contractors, or municipalities

Without proper coverage, a single claim could disrupt your business or jeopardize future work.

Common Coverages for Contractors

Contractor insurance is not a one-size-fits-all policy. Coverage is typically built by combining several types of protection based on your trade, size, and job scope.

Common policies include:

  • General Liability Insurance – Covers bodily injury and property damage claims related to your work
  • Commercial Auto Insurance – Protects vehicles used for business purposes
  • Workers’ Compensation Insurance – Covers employee injuries and helps meet Wisconsin requirements
  • Commercial Property or Inland Marine – Covers tools, equipment, and materials
  • Umbrella Insurance – Adds extra liability protection beyond your base policies

We help you understand which policies apply to your work and how much coverage makes sense for your level of exposure.

Top Professions We Insure

  • HVAC
  • HEATING & COOLING
  • AUTO REPAIR
  • GLASS INSTALLATION & REPAIR
  • CARPENTRY
  • LANDSCAPING
  • SPRINKLER INSTALLATION
  • MASONRY
  • CONCRETE
  • CONSTRUCTION
  • DRYWALL INSTALLATION
  • ELECTRICIANS
  • EXCAVATION
  • FENCE IRRECTORS
  • FLOORING
  • FORESTRY SERVICES
  • FUNERAL HOMES
  • CHURCHES
  • FURNITURE STORES
  • GAS STATIONS
  • GOLF COURSES
  • HARDWARE STORES
  • HEALTH & EXCERCISE
  • HOTELS
  • MOTELS
  • JANATORIAL SERVICES
  • LAUNDRY
  • DRY CLEANERS
  • MEDICAL
  • DENTAL
  • CHIROPRACTIC OFFICES
  • HANDYMAN
  • PAINTING SERVICES
  • ROOFERS
  • PLUMBERS
  • STORAGE FACILITIES
  • WAREHOUSE
  • SIDING INSTALLERS
  • SOLAR ENERGY
  • VETERINARIAN
  • WINDOW CLEANING
  • CONVENIENCE STORES
  • HEALTH AND BEAUTY

Insurance Built for Wisconsin Contractors

Contractors working in Wisconsin face unique challenges, including:

  • Seasonal weather conditions that increase slip-and-fall risks
  • Job sites that change frequently and involve multiple parties
  • Contract language that requires specific coverage limits
  • Travel between Stevens Point, Appleton, and the surrounding communities

Our team understands how these factors affect your insurance needs and helps tailor coverage so you’re protected whether you’re working locally or across the state.

Why Work With Senica Insurance

Contractors choose Senica Insurance because we understand the pace and pressure of your work. We focus on building coverage that supports your business today and as it grows.

We offer:

  • Local experience working with Wisconsin contractors
  • Access to multiple insurance carriers for better options
  • Clear explanations of coverage and contract requirements
  • Flexible policies that grow with your business
  • Guidance on certificates of insurance and compliance needs

From small trade businesses to growing contractor operations, we help simplify insurance so it doesn’t slow you down.

Request Your Insurance Quote Today

Your work is hands-on, and your insurance should be just as reliable. Whether you’re based in Stevens Point, Appleton, or working across Wisconsin, the insurance brokers at Senica Insurance can help you find contractor insurance that fits your business and protects your future.

Request a Quote Today and let us build coverage that works as hard as you do.