We help contractors and trades professionals secure insurance coverage that protects their work, equipment, and livelihood.
Construction & Trades Insurance for Wisconsin Contractors
Coverage options for contractors, trades, and hands-on professionals across Wisconsin.
No obligation • No pressure • Independent agency
Wisconsin Construction & Trades Insurance
Protecting Contractors, Subcontractors & Skilled Trades Across Southeast Wisconsin
The construction industry moves fast — and the risks move even faster. Whether you’re on a residential job
in Waukesha, a commercial site in Milwaukee, or a municipal project in Racine/Kenosha, your business needs insurance
that meets contract requirements and protects your team, tools, equipment, and cash flow.
Who We Insure
We tailor insurance packages to match how Wisconsin contractors actually work.
- General contractors
- Electricians
- Plumbers
- Roofers
- HVAC contractors
- Carpenters
- Concrete & masonry
- Landscapers
- Painters
- Remodelers
- Specialty trades
If you work with your hands, on-site, or with subcontractors — we build coverage that fits the way you operate.
Insurance Coverage for Wisconsin Contractors
Your Jobsite Risks Are Real — Your Coverage Should Be Too
Contractors face a unique combination of liability, employee safety, property exposure, equipment risk, and vehicle needs. The right insurance package keeps you compliant, competitive, and protected from costly interruptions.
General Liability Insurance
Protects against third-party injuries, property damage, and completed work claims.
Most GC and subcontractor agreements require this coverage.
Workers’ Compensation
Required for most Wisconsin businesses. Covers jobsite injuries, medical bills, lost wages, and employer liability.
Tools, Equipment & Inland Marine
Coverage for power tools, trailers, small equipment, borrowed tools, and items in transit.
Ideal for trades constantly moving between job sites.
Commercial Auto & Fleet Coverage
Protection for work trucks, vans, dump trucks, trailers, and service vehicles.
Builders Risk (Course of Construction)
Protects buildings under construction, materials, and temporary structures from fire, theft, vandalism,
and weather damage. Often required for commercial projects.
Umbrella & Excess Liability
Affordable extra protection — especially important for contractors bidding commercial or municipal work.
Bonds
Bid, performance, license, and permit bonds. We help ensure you qualify for the jobs you want.
Professional Liability (Errors & Omissions)
Protects against claims related to design errors, project advice, or professional services beyond physical work.
Why Wisconsin Contractors Choose Polar Insurance
Your advantages with Polar Insurance:
- Access to top contractor insurance carriers
- Fast COIs (Certificates of Insurance)
- Coverage aligned with bid requirements
- Multi-policy discounts
- Tools, equipment & jobsite protection
- Clear, straightforward guidance
- Personalized local support
Service Area Coverage
We proudly serve contractors throughout:
- Milwaukee
- Waukesha
- Brookfield
- New Berlin
- Pewaukee
- Racine & Kenosha
- Mequon, Grafton & Cedarburg
- Surrounding Southeast Wisconsin communities
Request a Contractor Insurance Quote
Whether you’re a one-man operation or managing multiple crews, we’ll help you get the right coverage at a competitive price.