Insurance Technology Group
Honoring Tradition · Empowering Agents
Milwaukee · Waukesha · Commercial Auto Insurance

Milwaukee Commercial Auto Insurance
for Business Trucks, Vans & Fleets.

Insurance Technology Group (ITG) is an independent agency based on Bluemound Road in Waukesha, serving Milwaukee and the surrounding suburbs with commercial auto insurance for contractors, delivery fleets, service vans, snowplow trucks and company cars. If your business depends on vehicles operating in real Midwest traffic and weather, this is where your coverage starts.

Business Auto Expertise From a single pickup to multi-vehicle fleets running I-94, I-41 and local routes every day.
Midwest Road Reality Built around Milwaukee traffic patterns, winter storms, lake-effect snow and construction zones.
Independent, Not Captive Multiple carriers, one local agency that can explain the differences in plain language.
Call for Commercial Auto · 833-515-1776 Local Line · (414) 698-8386

What this page covers.

This is a practical guide to Milwaukee commercial auto insurance from a local independent agency. We’re going to walk through:

  • What counts as a commercial vehicle vs. a personal one.
  • Key coverages that matter for trucks, vans and business autos.
  • How underwriters look at your drivers, routes and vehicle use.
  • Common blind spots we see on policies written for Milwaukee businesses.
  • How to start building a program that matches how your company actually runs.
Insurance Technology Group LLC Independent Insurance Agency · 2246 W. Bluemound Rd, Waukesha, WI 53186 Phone: (414) 698-8386 · Toll-Free: 833-515-1776 Wisconsin Agency License #: 3003892003 · Firm NPN: 21750189 Designated Responsible Producer: Michael A. Barger – WI License 21655132 / NPN 21655132 Licensed in WI, IL, OK, TX & TN – Property & Casualty
Milwaukee Commercial Auto Insurance · Overview

When a vehicle is more than “just a truck” – it’s your business on wheels.

The pickup with your logo on the door, the cargo van carrying tools, the box truck moving product from your warehouse to customers – every mile those vehicles travel is a mix of opportunity and risk. Commercial auto insurance is how you fund that risk in a way your balance sheet can live with.

In the Milwaukee area, business vehicles are everywhere: contractor pickups lined up at Home Depot on 124th & Burleigh, delivery vans running up and down Highway 100, box trucks merging onto I-94 near the stadium, and small fleets leaving industrial parks in West Allis, Oak Creek and Franklin every morning. Some are owned in the company’s name. Others are personally titled but used every day for work. All of them need coverage that reflects the business behind the wheel.

A commercial auto policy – sometimes called a business auto policy or BAP – is built for those vehicles. It can insure everything from a single service van to a fleet of light and medium-duty trucks. Where personal auto focuses on commuting, family use and personal liability, commercial auto is designed for job sites, deliveries, hauling, employees driving, signage on vehicles, and the contracts that often require proof of specific limits.

At ITG, we treat your vehicles as part of a larger commercial insurance program. We look at how commercial auto interacts with your general liability, workers comp, inland marine (for tools and equipment) and umbrella coverage so that a serious crash doesn’t punch holes in your protection. Our goal is simple: if something goes wrong on the road, we want you talking to us about how the claim is being handled – not how you’re going to keep the doors open.

Key Commercial Auto Coverages

What’s actually on a Milwaukee commercial auto policy?

Every carrier has its own forms and wording, but most business auto policies revolve around the same core pieces. The art is in how those pieces are arranged and how they match your vehicles, drivers and contracts.

Liability – Bodily Injury & Property Damage

Liability is the starting point. If a driver in one of your vehicles is at fault in a crash that injures someone or damages their property, commercial auto liability is designed to respond. Limits are usually expressed as a combined single limit – for example, $1,000,000 per accident – rather than split limits.

In the Milwaukee metro area, where highway speeds on I-94 and I-41 mix with dense local traffic and winter conditions, we typically talk seriously about limits at or above $1M and how they pair with your commercial umbrella. A bad crash with multiple claimants, medical expenses and attorneys involved can move through low limits faster than most business owners expect.

Combined Single Limit Legal Defense Costs Serious Injury Claims

Physical Damage – Collision & Comprehensive

Physical damage coverage is about your own vehicles. Collision addresses damage from a crash or rollover. Comprehensive addresses things like fire, theft, vandalism, hail, falling objects and, in Wisconsin, deer on rural roads between jobs. Deductibles can be set per vehicle based on value and tolerance for risk.

We’ll talk through which vehicles you want to carry full coverage on, which might be older or lower-value units, and how you’d handle a total loss. Sometimes it makes sense to self-insure minor dings but keep strong protection for the trucks and vans that would be hardest to replace.

Collision Comprehensive Glass & Windshield

Uninsured & Underinsured Motorists

Not every driver on Milwaukee roads carries adequate insurance. Uninsured and underinsured motorist coverage (UM / UIM) helps protect your drivers and passengers if they’re hit by someone who doesn’t have enough liability insurance to pay for injuries. It’s a layer that can be easy to overlook – until you’re relying on it.

We’ll look at your mix of drivers, typical routes and risk tolerance and then have a clear conversation about UM / UIM limits that make sense for you.

UM / UIM Medical Bills Lost Wages

Hired & Non-Owned Auto (HNOA)

Do employees occasionally rent vehicles on business trips? Do they run errands or make deliveries in their own cars? Hired and non-owned auto coverage is designed for these situations. It doesn’t replace their personal auto policies, but it can protect your business if it’s named in a lawsuit after a crash.

In practice, this might apply to a manager driving their own SUV between job sites, an office employee dropping off paperwork, or a team renting a cargo van for a project. If you have people on the road in anything tied to your work, we should talk about HNOA.

Employee Vehicles Rental Cars Business Errands

Medical Payments & PIP

Medical payments coverage can help pay for reasonable medical expenses for occupants of your vehicles, regardless of fault, up to the limit selected. Depending on how and where your vehicles are titled and registered, personal injury protection (PIP) or no-fault style benefits may also come into play.

The right option depends on the state, the vehicle registration and your existing workers comp setup. We’ll coordinate those pieces so they don’t work against each other.

Immediate Medical Costs Passengers & Employees State-Specific Rules

Rental Reimbursement, Towing & Extras

Optional extras, such as rental reimbursement (or loss of use), towing and labor, and roadside assistance, can help keep you moving after a covered loss. For some companies, renting a temporary replacement vehicle is a minor inconvenience. For others – especially contractors and delivery operations – it can be the difference between staying on schedule and shutting down jobs.

We’ll map out how you’d actually respond if one of your main vehicles were down for a week and then build those real-world expectations into the policy.

Rental Reimbursement Towing & Labor Roadside Assistance
Who Needs Milwaukee Commercial Auto Insurance?

If your logo, tools or employees travel with the vehicle, we should talk.

Many owners assume their personal auto policy is enough until a claim exposes the gap. The line between personal and commercial use isn’t just about who owns the vehicle – it’s about how it’s used.

Here are some common Milwaukee-area operations that usually need commercial auto coverage:

  • Contractors & trades – general contractors, remodelers, electricians, plumbers, HVAC, roofers, landscapers and snowplow operators moving between job sites in different cities.
  • Service businesses – pest control, cleaning companies, IT services, maintenance crews, vending services and repair companies with vans on the road every day.
  • Delivery & courier work – last-mile delivery, furniture or appliance delivery, local distribution and route-based operations.
  • Sales & field staff – account managers and reps who spend more time driving between customers than sitting behind a desk.
  • Non-profits & community organizations – transporting people, equipment or supplies in owned or leased vehicles.

Red flags that you may be using a personal policy for commercial exposure include:

  • The vehicle is titled to the business or claimed as a business asset for tax purposes.
  • Employees or non-household drivers regularly use the vehicle for work.
  • The vehicle has signage, wraps or a permanently mounted rack, plow or equipment.
  • The vehicle frequently tows trailers with tools, machinery or materials.
  • Contracts require you to provide proof of “commercial auto” or specific liability limits.

If any of that sounds familiar, it’s worth a conversation. In a serious claim, personal carriers may question or limit coverage when they discover that the primary use is business-related. A properly-built commercial auto policy is designed for that exposure from day one.

Built Around Milwaukee Roads

Commercial auto designed for the way Southeast Wisconsin actually drives.

Google Maps doesn’t show the whole story. Underwriters look at ZIP codes, traffic patterns, weather and loss history. We layer that with what we see on the roads every day so your program makes sense on paper and on the street.

Vehicles in downtown Milwaukee face a different set of exposures than trucks running rural routes in Washington or Jefferson County. Traffic is tighter. Parking is more complex. There’s more interaction with pedestrians, bikes, scooters and ride-share vehicles. Meanwhile, trucks based in Waukesha, New Berlin or Brookfield may log more highway miles on I-94, I-41, Highway 18 and the Zoo Interchange – and see more deer and country road hazards on early morning or late-night drives.

Layer on top of that our winters. Snow, freezing rain and black ice change stopping distances dramatically. In January and February it’s not unusual to watch multiple minor accidents unfold in a single morning along stretches of I-94 between Waukesha and downtown or on I-43 heading north. Even when your drivers are careful, the mix of weather and other drivers can produce claims that feel random and unfair.

When we build a Milwaukee commercial auto program, we talk about:

The more accurate and honest this information is, the fewer surprises you’ll see at audit or claim time. Our job is to translate how you really operate into language and data points that underwriters can work with.

Common Rating Factors in Milwaukee Commercial Auto

Carriers use a mix of factors to price and approve your policy. Understanding them helps you control costs without cutting corners on coverage.

  • Vehicle class & size – weight, usage class and body type (pickup, van, straight truck, tractor, etc.).
  • Driving records – violations, accidents and years of experience for each driver.
  • Claims history – frequency and severity of past losses, including comprehensive claims for hail, theft or vandalism.
  • Safety practices – written driving policies, MVR checks, cell phone restrictions and maintenance routines.
  • Annual mileage & radius – how far and how often you drive, including interstate trips into Illinois or other states.

Part of our work at ITG is helping you present your risk in the best light while staying fully accurate. A clear written safety policy, up-to-date driver lists and realistic estimates of annual mileage all support stronger carrier relationships over time.

Next Steps

What ITG will ask you when we quote your Milwaukee commercial auto.

You don’t need to show up with perfectly organized spreadsheets on day one. We’ll walk through the information together. But it helps to know what’s coming so you can start thinking about the answers now.

  1. Vehicle list. Year, make, model, VIN, gross vehicle weight and how each unit is used. If you have existing schedules from another carrier, we can start there and clean them up.
  2. Driver list. Names, dates of birth, license numbers and states for anyone who regularly operates your vehicles. We’ll also ask who should not drive company vehicles.
  3. Garaging locations. Where vehicles are kept overnight – shop addresses, yards, home driveways – and whether they’re parked inside, outside or in secured lots.
  4. Routes & territory. Typical mileage, how far you travel from Milwaukee or Waukesha, how often you cross state lines and whether you ever go beyond Wisconsin and Illinois.
  5. Loss history. Prior claims for at least the past three to five years, including minor fender-benders, glass claims and comprehensive losses.
  6. Contracts & requirements. Any bid specs, vendor agreements or certificates of insurance that require specific limits, additional insured endorsements or primary / non-contributory language.

Once we have this foundation, we can price your current structure and then explore options – higher or lower deductibles, adjusting liability limits, adding or removing extras – so you can see how each choice affects both protection and premium.

Serving Milwaukee, Waukesha, Brookfield, Wauwatosa, West Allis, Oak Creek, Franklin, Greenfield, New Berlin, Racine & Kenosha. Explore Milwaukee Business Insurance Milwaukee Liquor Liability Milwaukee Contractor Insurance