How Much Does Small Business Insurance Cost in Green Bay, WI?
Green Bay pricing is 15% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Green Bay's diversified economy.See our methodology
Small Business Insurance Pricing in Green Bay, WI
Green Bay is one of the more affordable markets for small business insurance, with costs running about 15% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 105K-population metro area is straightforward.
Local climate plays a direct role in small business insurance costs here. Harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations.
Market-specific factors matter in Green Bay: moderate cost of living keeps contractor rates affordable.
Green Bay has moderate permitting requirements. Depending on the scope of your small business insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Green Bay vs National Average
What Affects Small Business Insurance Cost in Green Bay?
Coverage
General liability only: $30-$100/month. BOP (GL + property): $50-$200/month. BOP + workers comp: $150-$400/month. Full package: $200-$600/month
Industry
Office/consulting: $30-$100/month. Retail: $50-$200/month. Restaurant: $200-$500/month. Construction: $300-$1,000+/month
Green Bay Market Conditions
moderate cost of living keeps contractor rates affordable
Local Climate Impact
harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations
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Top-Rated Small Business Insurance Pros in Green Bay, WI
7 providersPremier Plumbing
🏆 SPONSOREDServing Green Bay and surrounding areas since 2015. Licensed, insured, and committed to quality workmanship at fair prices.
Premier Contractors
⭐ PREMIUMServing Green Bay and surrounding areas since 1997. Licensed, insured, and committed to quality workmanship at fair prices.
Apex HVAC Solutions
⭐ PREMIUMServing Green Bay and surrounding areas since 1991. Licensed, insured, and committed to quality workmanship at fair prices.
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Tips to Save on Small Business Insurance in Green Bay
- 1.A BOP (Business Owner's Policy) bundles GL + property at 15-30% savings
- 2.Pay annually instead of monthly to save 5-10%
- 3.Higher deductibles reduce premiums
- 4.Shop multiple carriers — rates vary 30-50% for the same coverage
📈 Small Business Insurance in Green Bay Cost Trends (2020–2024)
Prices have increased +18.3% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $126 | — |
| 2021 | $131 | +4.0% |
| 2022 | $140 | +6.9% |
| 2023 | $144 | +2.9% |
| 2024 | $149 | +3.5% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Small Business Insurance in Green Bay
Recent Reports
Frequently Asked Questions
What insurance does a small business need?
At minimum: general liability ($30-$100/mo) and property insurance if you have a physical location. Add professional liability for service businesses, workers comp if you have employees, and commercial auto if you use vehicles for business.
Why does small business insurance cost different in Green Bay than other cities?
Green Bay's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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