Business Insurance
Independent Insurance Agency for Business, Home, Auto, Medicare, and Life Insurance in Racine, Kenosha, Southeastern Wisconsin, and Lake County, Illinois
(262) 975-2225 WI
Fastest way to get a quote
(847) 780-2305 IL
Fastest way to get a quote
Carriers we work with









Client Ratings
4.7 Rating
- About Brenda Payne
Brenda Payne – Independent Insurance Agent in Racine & Kenosha WI & Lake County, IL
Brenda Payne is the founder of Tree Frog Insurance and an independent insurance agent dedicated to helping individuals, families, and business owners find coverage that truly fits their needs. She focuses on clear guidance, honest advice, and building long-term relationships so clients can make confident insurance decisions.
Tree Frog Insurance helps business owners and families choose coverage that fits real life not generic templates. We specialize in commercial insurance for contractors and small businesses, plus trucking, home/auto, life, and Medicare guidance.
Our Vision
Simple insurance. Strong protection. Trust.
Our Mission
Protecting families and businesses daily.

Brenda
Founder | Independent Insurance Agent

Lynette
Independent Insurance Agent
Client Ratings
4.7 Rating
- About Lynnette Fogle
Independent Insurance Agent
Lynette brings years of experience helping individuals, families, and business owners find coverage that truly fits their needs. As an independent agent, she works with multiple carriers to provide options not pressure. Her approach is centered on listening first, understanding each client’s unique situation, and then recommending thoughtful solutions that offer long-term protection and peace of mind. Clients appreciate her clear communication, attention to detail, and commitment to doing what’s right every time.
Trusted Guidance
Clear options, honest advice
Client Focused
Personalized coverage solutions
Client Ratings
4.7 Rating
- Kevin
Meet Kevin
Kevin quickly became a beloved part of the Tree Frog Insurance family. His friendly personality and calm presence reflect the kind of care and compassion we bring to our clients every day. Whether greeting visitors or keeping the office spirits high, Kevin reminds us that insurance isn’t just about policies it’s about protecting what matters most, including our four-legged family members.
Office Support
Friendly daily morale booster
Pet Advocate
Protecting furry family members
Why Tree Frog Insurance
- Why tree frog insurance?
Our Insurance Services
Personal & Business Insurance Services in Wisconsin
- What we offer
How To Get Right Insurance Coverage
Our Fast And Simple Insurance Process
- How It Works
A quick call → we compare options → you get covered + support.
01
Quick Discovery Call
Tell us your business, vehicles, and jobs.
02
Quote & Compare
We match you with options that fit.
03
Launch + Support
COIs, renewals, changes, and claims guidance.
Talk With A Licensed Advisor
- Multi-carrier comparisons
- Fast quotes & clear answers
- Local support you can trust
- COIs + compliance support
- Renewal + coverage updates
Insurance FAQs
- Frequently asked questions
What does a BOP include?
A BOP (Business Owners Policy) usually includes General Liability + Property coverage. It protects your business from customer injuries, lawsuits, and damage to your equipment or building.
Do I need workers’ comp in WI/IL?
Yes, in most cases if you have employees, Workers’ Comp is required by law in Wisconsin and Illinois. It covers employee injuries and medical costs.
How fast can I get a COI?
Most COIs (Certificates of Insurance) can be issued the same day often within minutes after coverage is active.
Can you review my current policy for gaps?
Yes, we offer a free policy review to find missing coverage and possible savings.
What business insurance options are available in Wisconsin for small businesses?
We help small businesses find the right business insurance in Wisconsin tailored to their specific needs. Coverage options can include general liability, property insurance, and more depending on your business type
Do you offer business insurance in Wisconsin for contractors?
Yes, we specialize in business insurance in Wisconsin for contractors and growing companies. We provide coverage options designed to protect your work, equipment, and liability risks.
Get Free Insurance Business Quote
Get fast quotes and reliable business insurance in Wisconsin with local support you can trust.
24/7 Claim Guidance
- Better coverage doesn’t have to cost more.