Commercial Insurance in Franklin, WI
for Retail, Restaurants, Offices & Local Contractors.
Franklin is growing fast – from the 27th Street Corridor and Ballpark Commons to the Shoppes at Wyndham Village, Loomis Road and Franklin Business Park. When business owners search for Franklin business insurance, they’re usually looking for a local team that understands the exact corridors, centers and industrial parks where they operate – not an anonymous 800-number. ITG is based just up the road in Waukesha and builds commercial insurance programs specifically for Franklin, WI businesses.
Where Franklin Business Insurance Matters Most.
Franklin isn’t a generic suburb – it has distinct commercial pockets, each with different risks and insurance needs. ITG designs Franklin business insurance with those corridors in mind.
27th Street Corridor & South 76th Street
Along South 27th Street and South 76th Street, you’ll find chain and local restaurants, coffee shops, fitness studios, salons, small retailers, medical offices and professional services. Businesses here depend on parking lots that stay busy from morning to night.
Typical needs in this corridor include:
- General liability for customer injuries in stores, lobbies and parking lots.
- BOP coverage for contents, build-outs, signage and tenant improvements.
- Business income protection if a covered loss shuts you down temporarily.
- Equipment breakdown for HVAC, refrigeration and certain electrical losses.
- Cyber liability for POS systems, card data and online ordering.
Ballpark Commons & The Rock Sports Complex
The area around Ballpark Commons and The Rock Sports Complex draws families, sports teams and visitors from across southeast Wisconsin. Think sports bars, restaurants, training facilities, entertainment venues, youth programs and seasonal events.
Here, we see a higher focus on:
- Premises liability for crowded events, walkways and seating areas.
- Liquor liability for establishments serving alcohol.
- Participant and spectator exposures around sports and recreation.
- Property coverage for bars, kitchens, pro shops and training equipment.
- Workers’ comp for coaches, servers, kitchen staff and event crews.
Shoppes at Wyndham Village & Neighborhood Retail
Wyndham Village and nearby neighborhood centers combine grocery, national retail, local shops, salons, professional offices and medical or wellness providers. Most tenants here must comply with detailed lease insurance requirements that specify limits, endorsements and certificates.
ITG helps Franklin tenants:
- Interpret lease language in plain English.
- Align their Franklin business insurance limits with what’s required.
- Provide certificates with additional insured, waiver of subrogation and primary & non-contributory wording when requested.
Loomis Road, Hwy 36 & Franklin Business Park
Light industrial, distribution, warehousing, fabrication, machine shops, contractors and service companies cluster along Loomis Road, Highway 36 and in the Franklin Business Park. Many of these businesses serve the entire Milwaukee metro but keep their shop or headquarters in Franklin.
Common needs include:
- Commercial property insurance for buildings, shop equipment and inventory.
- General liability for premises and operations, plus completed operations exposure.
- Inland marine/tools coverage for equipment that moves to jobsites.
- Workers’ comp for crews in the shop and in the field.
- Cyber liability for invoicing systems and stored client data.
Franklin Business Types & Coverage Options.
Below are examples of how business insurance in Franklin, WI lines up with the types of businesses we see most often. Your situation may be different, but this gives a sense of how coverages connect to real operations.
Franklin Restaurants, Cafés & Bars
From pizza and casual dining on 27th Street to restaurants and taverns serving fans heading to The Rock, restaurant owners need more than a generic policy. We typically combine:
- BOP with building or tenant improvements, kitchen equipment and contents.
- Business income coverage for fire, wind or other covered shutdowns.
- Liquor liability when required by your operations and licensing.
- Cyber coverage for online ordering and card processing.
Franklin Retail, Salons & Personal Services
Boutiques, salons, barbers, nail studios, tanning salons, phone stores and specialty retail around Wyndham Village, 76th Street and neighborhood centers share similar exposures: customer injuries, theft, water damage, and downtime.
A Franklin retail or salon package often focuses on:
- GL for customer slip-and-fall or product-related claims.
- Contents and improvements at replacement cost.
- Signage coverage for pylons and building signs.
- Business income after a covered property loss.
Professional Offices & Medical/WELLNESS
Doctors, dentists, chiropractors, therapists, financial advisors and other professionals in Franklin need coverage for both premises and professional services. We often combine:
- Professional liability/E&O or malpractice.
- BOP for furnishings, improvements and medical equipment.
- Cyber liability for patient or client records.
- Higher GL limits if required by hospitals, networks or landlords.
Franklin Contractors & Trades
Remodeling, HVAC, electrical, plumbing, roofing, painting, landscaping and snow-removal companies based in Franklin often work throughout Milwaukee County. They need insurance that travels with them and satisfies certificate requirements.
- GL with correct class codes and completed-operations coverage.
- Tools and equipment coverage (inland marine) for gear on trucks and trailers.
- Workers’ comp that matches actual payroll and job duties.
- Commercial auto placed under a separate policy if needed (no heavy trucking focus).
Commercial Landlords & Building Owners
Owners of strip centers, single-tenant retail, office condos and flex/industrial buildings in Franklin need to protect building value, sidewalks, parking lots and rental income.
A Franklin commercial property policy often includes:
- Building coverage with realistic replacement cost values.
- Loss-of-rents coverage after a covered claim.
- Premises liability for common areas and parking lots.
- Coverage for signage, outdoor property and sometimes ordinance & law.
Warehousing, Light Manufacturing & Distribution
Franklin Business Park and nearby industrial areas host operations with machinery, inventory and shipping. ITG works to align property, liability, products, equipment breakdown and workers’ comp around actual operations instead of assumptions.
Questions Franklin Owners Ask ITG.
Is my Franklin business too small to need its own policy?
Even a one- or two-person operation can face claims if a customer is injured, property is damaged or professional advice is challenged. We’ll show you where your personal policies stop and when a separate Franklin business insurance policy makes sense.
Can you review my Franklin lease insurance requirements?
Yes. Email or upload the lease language and we’ll walk through what each clause means – limits, additional insureds, waivers and proof of insurance. Then we’ll design a program that lines up as closely as possible with those requirements.
Can ITG handle my Franklin business and personal insurance together?
Many Franklin owners prefer to keep business and personal insurance under one roof. ITG can coordinate your commercial package with your home, auto, umbrella and other policies so we can look for gaps and make everything easier to manage.
Ready to Review Your Franklin Business Insurance?
Whether you’re opening a storefront near Wyndham Village, running a restaurant by Ballpark Commons, operating an office along 27th Street or managing space in Franklin Business Park, ITG is here to help you make confident decisions about commercial insurance in Franklin, WI.
Call 833-515-1776 to talk with a local agent about Franklin business insurance.