Commercial Insurance

The insurance professionals at Baer Insurance Services will help you compare commercial insurance rates from trusted insurers and get the right combination of coverages for your business.
Have Questions or Need Our Advice? Call (608) 830-5800

Business Insurance

At Baer Insurance Services our flexible business policies can be tailored to meet the unique concerns you may have for your commercial operations while remaining responsive and true to your goals, no matter how big or small.
Retail or office space align a commercial parking lot

At Baer Insurance Services we know just how important your business is to you. As a business owner you have a lot to protect. That’s just one of the reasons why we take the time to…

  • Analyze your business needs.
  • Develop a plan that is customized and responsive to your own specific situation.
  • Offer you competitive pricing that is reflective of your exposure and experience.

Running a business with today’s economy is a challenge, but can also be very rewarding. Although keeping up with day-to-day operations takes up most of your time, you also must take all necessary precautions to safeguard your business from loss.

Whether you own an office building or a coffee shop, we offer the right combination of coverages to meet your needs.


Just A Few Of Our Commercial Coverages
The companies we represent may offer the opportunity to package a number of these coverages within a single policy.

Condominium Association Insurance

Condominiums offer residents a unique living experience quite different than renting and quite different than owning. The uniqueness of condo life is why condominium associations are formed: building coverage is needed for common areas inside and outside. You also need to have members’ liability coverage. This is why condominium association insurance is vital.

Condominium Association Members’ Liability

The shared ownership agreement for condominiums forces unit owners to oversee management of the building(s). There are plenty of member liability risks when you have shared swimming pools, spas, saunas, workout rooms, playground equipment and your parking lots.

Members’ liability protection is a must to help cover costs associated with a lawsuit in the event of an accident in a common, shared area.

Condominium Association Insurance Building Coverage

Baer condominium association insurance offers policies for building coverage and beyond, as outlined in your association bylaws. Since you are sharing hallways, elevators, basements and other common rooms, we will work with you to determine the specific types of coverage, deductibles and other specific requirements needed to fulfill your association’s goals.

Call us today to discuss options to protect your condo association and the condo complex you have invested in.

Commercial Auto

This coverage is available to protect your business from the liability associated with operating automobiles. Coverage is available for owned, non-owned, and hired vehicles including autos, trucks, vans, tractors and trailers. Physical damage coverage is also available.

Commercial Liability

Provides coverage including defense for liabilities associated with operating a commercial business enterprise. Policies are tailored to meet the specific risk management needs of your business.

Commercial Property

Provides coverage for your buildings and contents. Coverages range from specific named-perils policies to broader all-risk type policies.

Directors & Officers

Designed to protect the directors and officers of your organization from damages and defense costs due to civil claims, claims of negligence, and of errors and/or omissions.

Employment Practices

Liability Provides coverage for defense costs and liability arising from allegations of improper employment practices, sexual harassment, and discrimination.

Home Based Business

Homeowners insurance does not necessarily cover many home business-related claims. This could mean a major loss of income, as well as other significant losses, for your home business. If you have a home based business consider contacting us to discuss proper coverage options that offer both protection and affordability.

Inland Marine

If your business frequently ships products or equipment, you may want to consider purchasing inland marine insurance. This type of coverage is especially important if you ship high-value products or materials, which are often excluded from basic property coverage. Inland marine insurance can cover a wide range of specialty equipment and products.

Ordinance or Law Coverage

One of the most needed types of coverage is also one of the most commonly overlooked, or even known about, by consumers. It’s called Ordinance or Law Coverage. As your building becomes older certain changes in your county’s building codes and ordinance change to reflect new standards for construction. If your older property suffers a substantial loss, fixing it may require a higher construction standard to reflect new laws, therefore simply replacing your property as it was just isn’t good enough to meet these new construction standards and codes. Ordinance or law coverage pays for these upgrades in building standards.

Cyber Liability

Preventative data protection systems are essential to minimize the potential for a security breach. Even with preventative actions in place, businesses should still be prepared in case of a security breach. Prepare your business with a cyber security policy and have confidence in your plan when issues arise. Cyber liability insurance protects your business against damages to your client and to your company. Expenses for lawsuits, reputation maintenance, data repair, and financial damages add up quickly. Limit your chances of a security breach and limit your damages with proper cyber liability insurance.

Special Event Coverage

Businesses sometimes sponsor events like conferences, receptions, exhibitions, or festivals. Such events can generate claims against the event sponsors. To protect themselves, businesses can purchase a type of liability coverage called special event insurance to protect against claims by third-parties for bodily injury or property damage. Special event insurance is inexpensive and must be purchased before an event takes place.

Umbrella and Excess Liability

This coverage complements your property/liability program and provides additional limits of coverage. In today’s litigious society, smart business people protect their investment with umbrella coverage.

Workers’ Compensation

This coverage is designed to meet the workers’ compensation laws of your state. Workers’ compensation coverage provides protection for injured workers and supporting protection through employer’s liability coverage.

Contractors Insurance

From small jobs to big ones, from residential work to commercial projects, operators in the construction industry count on Contractor’s insurance for protection. With margins tight on most jobs, this insurance can be priced to meet budgets, with flexibility to cover what matters most to you and your company.


The experienced professionals at Baer Insurance provide a consultative approach to placing coverage for the metalworkers we serve. Our experienced Baer agents have worked with numerous companies involved with metalworking including job shops and production shops. We understand the unique exposures you face, from employee safety to products liability.

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