Commercial Insurance in Kenosha, WI
for Retail, Restaurants, Offices & Local Contractors.
Kenosha sits right on the Lake Michigan shoreline and right off I-94, connecting Chicago and Milwaukee. From Downtown and HarborPark, 6th Avenue and 52nd Street, to 75th Street, Green Bay Road, Highway 50 and the industrial corridors on the west side, Kenosha’s business community is a mix of long-time local shops and fast-growing regional operations. When owners search for Kenosha business insurance, they’re looking for someone who knows the lakefront, the Uptown rebuild, the highway corridors and the industrial parks – not just a generic one-size-fits-all policy from a call center.
Where Kenosha Business Insurance Matters Most.
Kenosha’s commercial areas break into distinct pockets. Downtown & HarborPark bring lakefront visitors and weekend crowds. 6th Avenue and 52nd Street host shops, bars and restaurants. 75th Street and Highway 50 connect I-94 to the city. Green Bay Road and the western industrial corridors add warehouses, distribution and service operations. ITG designs Kenosha business insurance with these real-world patterns in mind.
Downtown Kenosha, HarborPark & 6th Avenue
Along the lakefront – from HarborPark and the museums to 6th Avenue and the downtown grid – you’ll find restaurants, coffee shops, bars, boutiques, art galleries, salons, professional offices and service businesses. Summer events, tourists and weekend crowds increase both opportunity and exposure.
Common insurance needs include:
- General liability for storefronts, sidewalks and visitor traffic.
- BOP coverage for contents, build-outs and interior improvements.
- Business income for covered losses that shut down operations.
- Equipment breakdown for selected electrical and mechanical systems.
- Cyber liability for card processing, reservations and online ordering.
52nd Street, Uptown & Neighborhood Corridors
The 52nd Street corridor and surrounding Uptown area include independent retailers, ethnic restaurants, grocery stores, repair shops, salons, professional services and neighborhood businesses that serve local residents every day.
For these businesses we usually focus on:
- GL for customers on premises and parking lots.
- Property insurance for contents, equipment and sometimes the building.
- Business income for covered downtime after a fire or wind loss.
- Crime coverage options for theft or employee dishonesty (where appropriate).
75th Street & Highway 50 (I-94 to the Lake)
Highway 50/75th Street connects I-94 to Kenosha’s west side, running past big-box centers, national chains, auto service facilities, hotels, restaurants, strip centers and medical/professional buildings. Traffic volume, regional visitors and commercial vehicles all intersect along this corridor.
Typical coverage planning includes:
- General liability for large parking lots and guest traffic.
- BOP for interior improvements, merchandise and equipment.
- Business income to protect revenue when a covered loss shuts you down.
- Workers’ comp for staff in hospitality, retail, food service and offices.
Green Bay Road & West-Side Retail/Service
Green Bay Road and nearby corridors host auto services, tire shops, hardware and home improvement stores, small offices, restaurants and personal services. Many of these locations combine shop activity, inventory and customer foot traffic with limited staff.
We often recommend:
- GL tailored for slip-and-fall, property damage and personal injury claims.
- Property coverage for tools, lifts, inventory and shop contents.
- Workers’ comp that reflects auto, shop and office roles.
Kenosha Industrial & Distribution Corridors
West of Green Bay Road and near key interchanges, Kenosha’s industrial and warehouse areas serve regional logistics, distribution, repair operations and light manufacturing. These accounts require a more technical commercial insurance approach than a basic office or retail shop.
Coverage planning usually includes:
- Commercial property for buildings, machinery, stock and improvements.
- GL for premises and operations, plus products/completed operations.
- Inland marine for mobile tools and equipment.
- Workers’ comp for warehouse, production and driver roles.
- Equipment breakdown for select machinery and systems.
Kenosha Business Types & Coverage Options.
Here’s how business insurance in Kenosha, WI typically lines up with the types of businesses we see most often along the lakefront, major corridors and industrial areas. Your details will be unique, but these are common starting points when we build coverage.
Restaurants, Cafés & Bars
From lakefront dining and cafés near HarborPark to neighborhood spots on 52nd, 60th and 75th, Kenosha’s restaurants and bars rely on equipment, staff and consistent foot traffic.
- BOP for kitchen equipment, furnishings and tenant improvements.
- Business income for covered shutdowns after fire or other losses.
- Liquor liability for locations that serve alcohol (subject to underwriting).
- Cyber for online orders, delivery apps and card processing.
Retail, Salons & Personal Services
Boutiques, barber shops, nail salons, cell-phone stores, specialty shops and neighborhood services across Downtown, 52nd Street and Green Bay Road all share common exposures.
- GL for customers moving through your space.
- Contents coverage for inventory, stations, décor and electronics.
- Business income for revenue loss after a covered property claim.
- Optional coverage for signage and glass where needed.
Professional Offices & Medical/WELLNESS
Kenosha has a wide range of professional offices – legal, financial, real estate, therapy, dental, chiropractic and medical – spread across downtown, corridor offices and multi-tenant buildings.
- Professional liability/E&O or malpractice, when applicable.
- BOP for furnishings, computers and leased-space improvements.
- Cyber liability for client and patient information.
- GL and umbrella where higher limits are required by networks or landlords.
Kenosha Contractors & Trades
Remodelers, HVAC companies, electricians, plumbers, roofers, painters, landscapers and other trades based in Kenosha typically serve both the city and the surrounding communities. Their coverage has to travel to jobsites, not just protect a single office.
- GL with the correct contractor class codes and completed-operations coverage.
- Inland marine for tools and mobile equipment stored in vehicles and trailers.
- Workers’ comp for field crews and office staff.
- Commercial auto for service vehicles (we’re not focused on heavy trucking fleets).
Commercial Landlords & Building Owners
Owners of downtown mixed-use buildings, strip centers on 52nd or 75th, and office or flex spaces near the highway need coverage that protects both the building and the rental income stream.
- Building coverage written at realistic replacement cost values.
- Loss-of-rents (rental income) for covered downtime.
- Premises liability for common areas, sidewalks and parking lots.
- Coverage for signage, detached structures and sometimes ordinance & law.
Warehousing, Light Manufacturing & Distribution
Kenosha’s western side and industrial corridors host warehouses, distribution centers, fabrication shops and other operations that move goods throughout the region. These accounts require attention to contracts, machinery, shipping patterns and worker safety.
- Commercial property for buildings, stock and production equipment.
- GL including products/completed operations where applicable.
- Equipment breakdown for specific systems and machinery.
- Workers’ comp aligned with production, warehouse and driver roles.
Questions Kenosha Owners Ask ITG.
Is my Kenosha business too small to need its own policy?
Even very small or home-based businesses can face claims that personal policies simply aren’t designed to cover. We’ll show you where your current coverage stops and when a dedicated Kenosha business insurance policy is worth considering.
My landlord or franchise gave me strict insurance requirements. Can you help?
Yes. Kenosha landlords and franchise systems often require specific limits, endorsements and wording. Send us the requirements and we’ll explain them in plain English, then build a program that aims to satisfy those terms so your certificates are accepted without back-and-forth.
Can ITG handle my Kenosha business and personal insurance together?
Many owners prefer a single agency that understands both personal and commercial exposure. ITG can coordinate your business package with home, auto and umbrella policies so that gaps are easier to spot and your overall protection makes sense.
Ready to Review Your Kenosha Business Insurance?
Whether you're running a restaurant near HarborPark, a shop on 6th Avenue, a service business along 52nd or Green Bay Road, or an industrial operation near the highway, ITG is here to help you make confident decisions about commercial insurance in Kenosha, WI.
Call 833-515-1776 to talk with a local agent about Kenosha business insurance.