Property and business interruption
Values reviewed against real replacement cost and a realistic period of restoration.
Serving Wisconsin firms since 2001
Your contracts require coverage you may not have
We build commercial programs from the contracts and exposures your business actually carries, then market them to the right carriers each year.
310commercial accounts
25 yrsbrokering in Wisconsin
94%client retention
$38Mpremium placed yearly
Lines we place
Property, casualty and the coverage nobody remembers
We start with your contracts and your loss runs, not with a carrier's package proposal.
General and excess liability
Limits and additional insured wording matched to what your contracts actually demand.
Workers compensation
Experience modifier audits, class code corrections and return to work program support.
Commercial auto and fleet
Hired and non owned exposure, telematics credits and driver screening standards.
Cyber and professional liability
Coverage for data incidents, funds transfer fraud and errors in professional work.
Risk and contract review
We read the insurance clauses in your customer contracts before you sign them.
How we work
A broker that shows you the marketing results
Northgate was founded in 2001 and has stayed deliberately mid sized so senior people handle the accounts. Each renewal we show clients which carriers we approached, which declined and why, so you can see the market rather than take our word for it. We also audit experience modifiers, which has corrected class code errors worth six figures for several clients.
•Written marketing report at every renewal
•Experience modifier verified, not accepted
•Claims advocacy handled in house
Reviews
Client results
“They found two class codes that had been wrong for four years. The modifier correction cut our workers comp premium by eighty one thousand.”
Dale K., Metal fabricator, 140 employees
“A customer contract required coverage our old policy plainly did not include. Northgate caught it during review, before we signed.”
Renee P., Logistics company
FAQ
Questions from business owners
What is an experience modification factor and why does it matter?
It is a multiplier applied to your workers compensation premium based on your claims history compared to similar businesses. A modifier of 1.15 means you pay fifteen percent more than the baseline. Errors in payroll classification and open claim reserves are common, and correcting them lowers premium immediately.
How early should we start a renewal?
Ninety to one hundred twenty days before expiration for most accounts. Underwriters need loss runs, updated exposures and financials, and rushing that window means fewer carriers actually quote. Late submissions are the single most common reason a renewal comes back worse than it should.
Do we really need cyber coverage?
If you hold customer data, take payments, or send wires, yes. The most common claims we see are not dramatic breaches but fraudulent payment instructions and ransomware on a small server. Entry level coverage for a mid sized firm is far cheaper than most owners assume.
Can you work alongside our current agent?
We prefer not to split a program between brokers because carriers will not quote the same account twice and it usually costs the client leverage. What we will do at no charge is review your existing program in writing so you can judge it before deciding anything.
Contact
Send us your loss runs
With your current declarations pages and five years of loss runs we can tell you where your program stands.
Phone(601) 555-0101
Address740 N Plankinton Ave, Suite 600, Milwaukee, Wisconsin
HoursMon to Fri 8am to 5pm
AreaSoutheastern Wisconsin and accounts across the upper Midwest