Independent Insurance Agency Racine WI Serving Kenosha & Lake County IL

As a local insurance agent Racine WI families and businesses trust, Tree Frog Insurance provides personalized coverage solutions tailored to your needs across Racine, Kenosha, and Lake County IL.

Trusted Insurance Advisor Racine, WI

Years Experience

0 +

Home, Auto, Business & Medicare Insurance in Racine and Kenosha, Wisconsin

Our Vision

Simple insurance. Strong protection. Trust.

Our Mission

Protecting families and businesses daily.

About the owner

Brenda Payne – Independent Insurance agent

Brenda founded Tree Frog Insurance, an independent insurance agency serving Racine, Kenosha, Southeastern Wisconsin, and Lake County, Illinois.

With more than 20 years of experience, she helps individuals, families, and small businesses find the right home insurance, auto insurance, business insurance, life insurance, and Medicare coverage.

Inspired by her Irish roots and the symbolism of the tree frog—adaptability, protection, and renewal—Brenda built Tree Frog Insurance to serve her community as a trusted insurance advisor Racine WI residents rely on, offering personal connection and local care.

Independent Insurance Agent

Trusted Guidance

Clear options, honest advice

Client Focused

Personalized coverage solutions

Lynnette Fogle – Independent Insurance Agent | Racine & Kenosha, WI

Lynnette Fogle is an independent insurance agent at Tree Frog Insurance, serving clients across Racine, Kenosha, Southeastern Wisconsin, and Lake County, Illinois. She helps individuals, families, and businesses find the right coverage for home, auto, business insurance, and Medicare.

With decades of experience in customer service and relationship management, Lynnette specializes in comparing policies across multiple carriers so clients can make confident, informed decisions about their protection.

A longtime resident of the Racine and Kenosha area, Lynnette brings nearly 30 years of local insight to her work. She understands the needs of homeowners, drivers, and small business owners throughout Southeastern Wisconsin.

At Tree Frog Insurance, Lynnette is known for personalized service, clear guidance, and building lasting relationships. Whether reviewing coverage or helping clients navigate Medicare options, she is committed to protecting what matters most—so you can move forward with confidence.

Meet Kevin

Kevin – Director of Loyalty & Community Relations

Kevin joined the Tree Frog Insurance team through Mit Liebe German Shepherd Dog Rescue, a respected Midwest German Shepherd rescue organization whose name means “For the Love.” After being found on the streets of Chicago and taken in by Chicago Animal Care and Control, Kevin was given a second chance through rescue and eventually found his way to his forever home.

As the agency’s Director of Loyalty & Community Relations, Kevin represents the values that guide Tree Frog Insurance, a local independent insurance agency serving Racine, Kenosha, Southeastern Wisconsin, and Lake County, Illinois—loyalty, protection, dedication, and heart.

German Shepherds are known for their loyalty, intelligence, and commitment to protecting those they care about, and Kevin reminds the team every day to bring those same qualities into how we serve our clients, families, and local businesses.

Office Support

Friendly daily morale booster

Pet Advocate

Protecting furry family members

How It Works With a Local Insurance Agent Racine WI

Our simple process helps you work with a trusted insurance advisor Racine WI residents rely on for fast comparisons and personalized coverage support.

How It Works (Fast + Simple)

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

Get Free Insurance Business Quote

Contact our insurance agency Racine WI today for a free quote

24/7 Claim Guidance

Take the Leap — Get a Quote

Need help with business, home, auto, Medicare, or life insurance? Complete this short form and Tree Frog Insurance will contact you soon. Coverage cannot be bound, changed, or canceled through this form.

Name

Select the Insurance Type

Message

Phone Number

Zip Code

Preferred Contact Method

Call Text Email

Best Time to Contact You

Morning Afternoon Evening

I agree to be contacted by Tree Frog Insurance by phone, email, or text regarding my insurance request. Coverage cannot be bound, changed, or canceled through this form.

By submitting this form, you agree to receive text messages from Tree Frog Insurance at the number provided. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. Privacy Policy https://treefroginsurance.com/privacy-policy/ & Terms and conditions https://treefroginsurance.com/terms-and-conditions/

Frequently Asked Questions About Insurance Coverage in Racine WI

Happy Clients

0 +

What does a Business Owner’s Policy (BOP) include in Wisconsin or Illinois?

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’ compensation insurance in Wisconsin or Illinois?

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 How fast can I get a certificate of insurance (COI)?

Most COIs (Certificates of Insurance) can be issued the same day often within minutes after coverage is active.

Can an insurance advisor review my current policy for coverage gaps?

Yes, we offer a free policy review to find missing coverage and possible savings.

Tree Frog Insurance is a Trusted Choice independent insurance agency, meaning we work with multiple carriers to help clients compare coverage options and find the right protection.

Proud member of: Kenosha Area Chamber of Commerce
• Racine Business Community
• Chain-O-Lakes Chamber of Commerce
• Wisconsin LGBT Chamber of Commerce
• SCORE • WWBIC • Trusted Choice