The foundation of small business liability protection

As a small business owner in Stevens Point, Appleton, or anywhere across Wisconsin, protecting your livelihood should be a top priority. One unexpected accident or lawsuit can threaten years of hard work, but the right general liability insurance can make all the difference. 

This essential form of business liability coverage helps safeguard your company from the financial fallout of accidents, property damage, or third-party injuries. Some employers, contractors, and clients even require proof of general liability insurance before you can start a project, making it a crucial part of doing business in Wisconsin.

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With liability insurance you’re protected from

  • Bodily injury and property damage liability
  • Personal and advertising injury
  • Medical payments
  • Products-completed operations
  • Damage to premises rented to you
  • Other Misc. Coverage

A solid general liability policy typically protects your business from third-party claims involving bodily injury or property damage. Examples include:

  • A customer slips and falls at your storefront or office and needs medical treatment.
  • You accidentally damage a client’s property while performing services or making a delivery.
  • Your business is accused of advertising injury (such as libel or slander) or wrongful eviction of a tenant.

In Wisconsin, this coverage is sometimes called “commercial general liability” or “business liability insurance.” According to the Wisconsin Office of the Commissioner of Insurance, general liability policies help cover financial losses from bodily injury, property damage, medical expenses, and legal defense or settlement costs.

Why Your Wisconsin Business Needs It

While Wisconsin law does not require most businesses to carry general liability insurance, many clients, landlords, contractors or government contracts will require a certificate of coverage before you can begin work.
 Here’s why it matters:

  • One lawsuit or claim can eat into your profits and distract you from running your business.
  • Liability coverage protects against both expected and unexpected risks — from injuries on your premises to claims arising out of your operations.
  • Having a policy strengthens your credibility when bidding for projects in the Stevens Point area, the Appleton region, or statewide in Wisconsin.
  • It gives you peace of mind to focus on growth rather than worry about legal exposure.

Customizing Your Policy for Your Business

Every business faces different risks. We help you tailor your general liability insurance based on:

  • Your industry (retail, service, manufacturing, construction, professional services)
  • Whether you have a physical storefront, job-site operations, mobile services or remote work
  • The number of employees, contractors, and public interaction you have
  • Whether you lease or own your premises in Stevens Point, Appleton or elsewhere in Wisconsin

Typical coverages and optional endorsements include:

  • Occurrence limit – The maximum payout for a single event or claim
  • Aggregate limit – The total payout across many claims in a policy period
  • Premises liability – Injuries occurring at your business location
  • Operations liability – Injuries or damage caused by your business activities
  • Products/completed-operations – If you manufacture, install or service a product that later causes damage
  • Advertising injury – Claims of libel, slander or false advertising

Our agents review your operations, help you select appropriate limits, and recommend endorsements that may better protect your business.

Local Risk Considerations in Wisconsin

Running a business in Wisconsin, including Stevens Point and Appleton, brings unique risk factors:

  • Slip-and-fall incidents are more likely during winter due to ice, snow and freezing conditions.
  • Businesses that operate outside or provide job-site services may face greater exposure to injuries or property damage.
  • Contracts in certain industries (construction, real estate, client servicing) often include liability requirements or minimum coverage limits (for example, $1 million per occurrence).
  • Landlords in commercial buildings in Stevens Point or Appleton may require proof of general liability before leasing.

We help you understand how these risks affect your premium and coverage so you’re fully prepared.

Get a Free Quote for Senica Insurance

Your business is more than a job; it’s your livelihood. Protect it with a liability policy designed for Wisconsin businesses. Whether you operate in Stevens Point, Appleton or anywhere in Wisconsin, Senica Insurance is here to provide personal, professional guidance.

Reach out today for a free quote and let us help you secure general liability insurance that meets your needs and safeguards your future.