Welcome to Modern Insurance Group. Your #1 insurance agency.
We Do Insurance
The Modern Way.
Rigs, trailers, cargo, liability, & more.
Buildings, stores, & more.
Liability, tools, employees, & more.
Auto + home, condo or renter. Best deal.
Cars, trucks, luxury, exotics, & motorcycles.
Homes, condos, landlords, renters & more.
We work with the most reputable insurance companies to find the best match for you!
Three easy steps to get insurance.
Modern Insurance Group's streamlined process makes it easy to get your insurance policy started. Our simple three step process provides quality coverage with expert guidance by knowledgeable agents. We're ready to help you get started.
1. Quote
One application and we do the shopping for you.
2. Compare
Receive quotes from A+ rated insurance companies.
3. Bind
Get covered with great rates from expert agents.
24/7 Policy Service.
Our state-of-the-art portal allows businesses and familis to locate, purchase, and manage specialized insurance policies quickly. Weeks of waiting and stacks of paperwork are officially obsolete.
Policy Changes
Report a Claim
Request Certificates
Download Documents
Commercial Trucking Insurance.
Business Insurance Solutions.
Every business is unique, and so are the risks you face. At Modern Insurance Group, we partner with companies across Fitchburg and Wisconsin to build smarter insurance and risk management strategies. By combining innovative technology with decades of experience, we deliver more than coverage, we help you reduce risk, control costs, and adapt with confidence.
General Liability
Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. It covers situations where someone is injured on your business premises or if the business activities cause damage to someone else’s property.
Commercial Auto
If your business owns vehicles used for business purposes, such as delivery trucks or service vehicles, commercial auto insurance provides coverage for those vehicles. This includes liability for accidents and physical damage coverage for the vehicles.
Workers Compensation
If your business has employees, workers’ compensation insurance is usually required by law in every state. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job.
Commercial Property
Commercial property insurance covers physical assets such as the business building, inventory, furniture, equipment, and fixtures against risks like fire, theft, vandalism, and natural disasters.
Cyber Liability
Businesses today increasing rely on digital systems and store customer data electronically. Cyber liability insurance helps cover the costs associated with data breaches, including legal fees, notification costs, and credit monitoring for affected customers.
Professional Liability
Professional liability insurance, aka Errors & Omissions (E&O), can help cover legal expenses if your business is sued for a mistake, missed deadline, project scope disputes, negligence, or other risks associated with customer satisfaction.
Personal insurance for individuals and families.
Home Insurance
Your home is one of your most valuable assets. It deserves protection that’s simple, reliable, and tailored to your needs. We help families across Fitchburg and throughout Wisconsin secure homeowners insurance that delivers peace of mind with personalized service.
Auto Insurance
Auto Insurance in Fitchburg & Across Wisconsin. Driving in Wisconsin comes with risks. At Modern Insurance Group, we shop multiple carriers to get you protection that fits your needs and budget, without compromise.
Umbrella Insurance
Umbrella insurance is critical to your insurance plan. Life can be unpredictable. As much as we plan for the best, sometimes the worst can happen. This is where umbrella insurance comes in to provide you with additional coverage that goes above and beyond to protect you.
High Net-Worth
Protection designed for your life and legacy. Modern Insurance Group's Private Client Insurance programs are tailored for high-net-worth families, covering luxury homes, secondary and vacation rentals, high-value autos, jewelry, fine art, and more, all with personalized protection built around your lifestyle.
About Modern Insurance Group.
Insuring communities with personalized service.
Modern Insurance Group delivers personalized insurance solutions to our clients in Wisconsin, Illinois, Minnesota, Pennsylvania, Texas, Indiana, and New Jersey, with more states being added soon. We are your trusted partners in safeguarding what matters most.
With a comprehensive range of insurance solutions, we’re dedicated to providing peace of mind and financial security.
Our experienced team of professionals is committed to tailoring insurance policies that meet your unique needs, offering expert guidance, and exceptional customer service.
Having access to multiple insurance companies gives us the ability to offer you a wide variety of coverage options that can be tailored to your needs and budget. Discover the protection you deserve with Modern Insurance Group, your one-stop insurance destination.
Questions About Insurance?
We’ve Got Answers.
Think of your trucking insurance premium on a risk meter. The more potential risk an insurance carrier views the higher the premium. Here are the major factors when a carrier determines your rate:
- Your Drivers History: A clean driving record in any case will help you secure a much lower rate v.s a driving record which has a history of accidents, violations, and more.
- Business Timeline: How long you’ve been in business is a huge factor to determining the premium price. In most cases, businesses with over 2 years will receive a much lower premium than businesses that have less than 2 years.
- Cargo: What you haul in your truck and how heavy it is being hauled will impact the risk level which will change the premium.
- Location + Operating Radius: The longer the operating distance the higher the premium will usually be. Longer distance means more risk because a driver has an increased risk of accidents, falling asleep behind the wheel, loosing focus on the road, and changing weather conditions throughout different areas.
- Vehicle Type: The heavier the truck, the more the premium will increase. Heavy truck means more risk in event of an accident.
Commercial truck insurance rates are high because insurance companies know that there’s a higher risk of injury and accidents. Why have the rates risen in the past decade? US Commercial truck insurance rates have risen dramatically over the past few years due to the numerous cases of accidents caused by commercial trucks due to inattentive driving as well as a decreased supply of drivers.
All insurers charge different rates for new trucking companies and owner-operators. You are legally allowed to start a trucking company without a CDL, but if you plan on driving the truck, it is a requirement to have a CDL. Premiums are generally higher when it is not owned by an individual who drives.
Doing your research upfront, taking good care of your truck, and looking for the least expensive coverage available are three ways to save money on trucking insurance.
- Keep your driving record extra clean to get better rates on your auto insurance policy.
- Look into other cheaper options outside of traditional captive insurance agencies. We are an independent insurance agency which means we can quote from a variety of insurance carriers.
Other factors in premium include what you’re hauling, driving radius, time in business, # of trucks, type of trucks, tickets/accidents, the driver(s) history and experience.
Typically, a trucking company will be insured for these lines of coverage: Auto Liability, General Liability, Physical Damage, Motor Cargo Coverage, Comprehensive/Collision Insurance. Contact us at 608-640-7897 for more information about protecting your trucking firms assets.
A claim will affect your premium differently based on the covered riders and the severity of loss. On average, 3 years.
Typically filings are done the same day or within 24 business hours.
Commercial Auto Liability is focused exclusively on the risks of owning a truck, while general liability policies focus on protecting a company from risks that could impact the business in any manner. Commercial Auto liability typically covers property damage and bodily injury to drivers, passengers in your car, pedestrians, and others.
General liability protection covers bodily injury to anyone who could sue your company: customers and other guests (walking through the lobby), contractors, and vendors doing work for you.
It typically takes 24-48 hours to get a quote and be covered. Once you decide which plan is best for your trucking needs, we can help you through the application process.
Even if you have been driving for years, opening your own business is a different ball game in insurance carriers eyes. Your CDL experience will impact your rate, but the time in business will also be a big factor, which means if you are a recently new business, your rates will be similar to other new businesses.
Don’t see your question? Contact us.
Let’s Connect.
Call our Wisconsin office today.
