Commercial Insurance


Grams Insurance offers coverage for your Wisconsin and Illinois business insurance needs. Whether it’s contractors insurance, workers compensation, business owners, or Wisconsin commercial auto insurance coverage, we can design a competitive insurance package that is tailored to your needs.

Whether you’re a contractor, large employer, small business owner, or a new start-up company looking for affordable insurance coverage, we can fulfill your commercial insurance needs. Learn more about these and other comprehensive insurance plans for your business by completing the form on the right or call us at (608) 884-3304 or (608) 751-2258 and talk with one of our  independent Wisconsin business insurance professionals. We annually review your account to keep it up to date with any changes.

Commercial Auto Insurance

Commercial auto insurance serves as protection against liability for bodily injury and property damage in connection with your ownership, maintenance, or use of vehicles involved in your business. Many different types of vehicles in addition to trucks can be covered under commercial auto insurance.  Vehicles with attached equipment such as a well driller or bucket trucks can also be included. Your business may also need “non-owned and hired” auto liability coverage for vehicles your employees use or that you rent or borrow.

Business owners with  more than five vehicles can be considered a “fleet” and are eligible to receive an insurance rate consideration. Having an active drivers list clean of violations and accidents will also reduce your commercial auto insurance costs.

Utilizing a responsible maintenance program, carrying claims kits in all vehicles and taking part in professional driver training programs have proven to reduce losses for Wisconsin businesses.

Workers Compensation Insurance

Workers compensation insurance protects an employer from liability for an injury or illness involving an employee while actively at work. It covers medical bills, a portion of lost wages, schooling, and death benefits. The coverage amount is established by state law and benefits don’t vary from company to company.

Our emphasis on close attention to detail in insurance policies really pays dividends when you need to make a claim. We follow the claim through every stage and make sure that the claim is paid fully, fairly and promptly. We recognize that buying insurance involves a promise and that it’s our job to make sure that promise is kept.

Our companies provide loss control services to help our clients minimize their exposure to loss. Our experience in working closely with the insurance market locally is focused on negotiating the best possible terms for our client, with insurers reputable and stable enough to honor their policy commitments.

Wisconsin workers compensation insurance covers all the employees of the business. Special provisions must be made if an employee works out of state. It may cover the business owner if the business is a corporation and the owner is actively involved in the business.

Contractors Insurance

We can provide affordable insurance coverage for the small contractor performing general remodeling and for larger contractors, including home construction, as well as specialty trade and artisan contractors. Whether you are a small Wisconsin or Illinois business owner or a multi-million dollar construction firm, we can offer affordable insurance coverage that meets your requirements.