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Learn how plumbing, HVAC, electrical, and construction businesses can prevent tool theft from contractor vans, protect employees, and review inland marine insurance.

See how a metal or block commercial building can become a total fire loss, and learn how to prepare your people, property, data, and operations.

If you own a condo in Wisconsin, you might assume that your homeowners association (HOA) master policy covers everything. After all, you pay monthly or quarterly assessments that fund insurance for the building. But the reality is that the HOA master policy has significant gaps, and those gaps leave your personal property, your interior finishes, and your liability exposure completely unprotected. Condo insurance, sometimes called an HO-6 policy, fills those gaps. It covers w

Careful hiring practices can reduce workers compensation claims, theft, turnover, and lost productivity in machine shops, construction jobs, and other businesses.

Affluent families and business owners rarely need more disconnected policies. Learn how the right insurance advisor can coordinate complex assets, prevent gaps, simplify billing, and guide claims.

Running a trucking operation in Wisconsin means navigating long highway miles, unpredictable weather, and strict federal and state regulations. Whether you are an owner-operator hauling freight on I-94 or managing a fleet of 50 rigs out of Milwaukee, one thing stays constant: the right insurance program is not optional. It is the backbone of your business. Trucking insurance in Wisconsin covers far more than just liability on the road. Your cargo, your equipment, your drivers

It is one of the smartest financial moves a homeowner can make right now. You buy a new home, but instead of selling the starter house, you keep it and rent it out. If you locked in a low interest rate before rates climbed, the math often works beautifully. The rent covers the old mortgage and helps carry the new one, and you build equity in two properties at once. I had this exact conversation with a customer recently. He and his new spouse found a bigger place on a lake in

If you hold a professional license, run a design firm, or get paid to give advice, you probably carry a professional liability policy, also known as Errors and Omissions (E&O) insurance. You may even be required to carry it under a contract. But here is the part most policyholders never fully understand: this coverage works completely differently from almost every other insurance policy you own. And the misunderstanding can be catastrophic. I have sat across the table from ar

Green Bay is one of the most dynamic cities in Wisconsin. Known worldwide as the home of the Packers, it is also a thriving hub for manufacturing, healthcare, shipping, small business, and growing neighborhoods. With a metro population of over 300,000 people, Green Bay residents and business owners face a wide range of insurance needs, from protecting a family home against harsh lake-effect winters to covering a commercial operation on the city's busy west side. Whether you l

Flooring contractors in Wisconsin take on a wide variety of projects, from hardwood installations in residential homes to large-scale commercial tile and carpet jobs. Each project carries its own set of risks. A customer trips on loose material during an install. A subcontractor damages expensive flooring that was already laid. A tool left behind causes water damage to a finished room. Without the right insurance, any of these situations can put your flooring business in seri

If you rent an apartment, condo, or house in Wisconsin, your landlord's insurance policy does not protect your belongings. It covers the building itself, but your furniture, electronics, clothing, and personal items are your responsibility. That is where renters insurance comes in. For a surprisingly affordable monthly cost, renters insurance protects your personal property, shields you from liability claims, and provides a safety net if your rental becomes uninhabitable. Des

Every winter, I talk with clients who are done with Milwaukee winters. They want a place in Florida to escape the cold, maybe rent it out when they are not there, and build something for retirement. I get it completely. We have helped dozens of Wisconsin and Illinois families navigate Florida real estate and insurance, and I will tell you right now: Florida is not like buying a home in Waukesha County. The rules are different. The risks are different. And the costs can knock

Concrete work is one of the most physically demanding and high-risk trades in the construction industry. Whether you pour foundations, build retaining walls, install decorative patios, or run a ready-mix operation, your business faces risks that a standard general liability policy may not fully address. Concrete contractor insurance in Wisconsin is designed to protect you from the unique exposures that come with this trade, from structural failures and property damage to work

When I pull into a valet line at a nice restaurant and spot a bright red Ferrari sitting next to a blacked-out Lamborghini Huracan, I do what any insurance guy does. I look at the plates. Montana. I smile every time. Not because I am judging the owner in any negative way. I smile because I know exactly what is going on, and honestly, it is a fascinating intersection of American tax law, car culture, and wealth management that most people have never heard of. Let me walk you t

Madison is the second largest city in Wisconsin, home to the state capitol, a thriving university community, and a diverse economy that ranges from biotech startups to established manufacturing firms. Whether you own a home on the isthmus, commute from Fitchburg or Sun Prairie, or run a growing business near the Beltline, having the right insurance coverage is essential for protecting what you have built. This guide covers the key insurance options available to Madison reside

I grew up water skiing with the MinAqua Bats Water Ski Show. From the time I was old enough to hold a rope, I understood two things: water is where the fun is, and fun has a way of humbling you fast. I once came home from a day on the water with broken ribs. You learn quickly that when you decide to ski around the buoys, or fly off a jump...gravity is undefeated. So when I sat down to dinner last night with a couple of friends who had recently purchased a commercial building,

Turo has exploded in popularity over the last few years. The idea is simple: everyday people rent their personal vehicles to strangers for a profit, and renters get access to a wider variety of cars than they would find at a traditional rental counter. It sounds great until something goes wrong. And in the insurance world, "something going wrong" is exactly what we plan for. Before you list your car on Turo or book a vehicle through the app, you need to understand how insuran

By Toby Hartman, MM Insurance Associates This one is personal for me. I have a 16 year old driver in my house right now, and I also have nieces and nephews who all just got their licenses around the same time. So I am living this decision as a parent and an uncle, not just as an insurance guy. Here is the honest truth. After two decades in the insurance world, I am not losing sleep over the little fender benders. Those happen, they get fixed, and everybody moves on. What keep

Drywall contractors face a unique set of risks on every job. Whether you are hanging sheetrock in a new residential build, finishing a commercial office space, or patching and repairing in occupied homes, the work involves physical labor, power tools, scaffolding, and close proximity to other trades. One accident, one property damage claim, or one injured worker can create a financial burden that threatens your entire business. If you run a drywall contracting business in Wis

Most business owners have had the same experience with their insurance agent: once a year, around renewal time, an email shows up with a quote. Maybe a phone call. Then silence for another twelve months. At MM Insurance Associates, we have built our entire client experience around a different belief, one that shapes how we approach every single prospect and client relationship. Insurance is not the product. Protecting your ability to operate, compete, and grow is the product.