Independent Insurance for Madison's Businesses and Families
Madison runs on service, professional work, and small business grit. NexGen Risk Solutions is an independent agency that shops coverage across multiple carriers to find the right fit for Dane County owners, tradespeople, and families — with a 12-hour response guarantee, weekends included.
Commercial Coverage Built for How Madison Does Business
Madison's business community skews toward professional services, technology, and consulting — industries where general liability alone rarely covers the full picture. We place commercial coverage across multiple carriers, including policies for:
- General liability and professional liability
- Business owner's policies (BOP) combining property and liability
- Cyber liability for data-handling businesses
- Workers' compensation for employers of any size
- Commercial auto for service vehicles and fleets
- Contractor and trade-specific programs for Dane County job sites
If your business requires a certificate of insurance or contract-mandated coverage, we turn those around within 12 hours — including weekends.
Personal Insurance for Madison Homeowners and Families
From established neighborhoods in Verona and Sun Prairie to rentals near the UW campus, Madison households have real coverage needs that deserve more than a quick online quote. We shop home, auto, and umbrella policies across carriers to make sure your coverage keeps pace with what you own, where you live, and how your family is growing.
We also work with younger clients who are buying their first home or building financial protection for their family — including term and whole life insurance options that can be quoted and started online.
James Pacha
"I had the pleasure of working with Ms. Michelle Apilado for my insurance needs, and I cannot recommend her highly enough. Michelle is incredibly approachable and made the entire process easy to understand. What truly sets her apart is her availability—she is always willing to answer my questions, no matter how big or small, and she does so promptly. It’s clear that she cares about her clients and go the extra mile to ensure they feel confident and well-informed. I’m grateful to have an agent I can trust and rely on. If you’re looking for someone dependable and knowledgeable, Michelle is one of the best!What really impressed me was her responsiveness and genuine care—she always follows up promptly and makes sure I feel confident and comfortable with my decisions. It’s clear that she truly puts her clients first.
CF Alliance offers competitive rates, reliable coverage, and outstanding customer service. Knowing that I have both a trusted agent and a solid company behind me gives me great peace of mind.
I highly recommend Jackie Fung and CF Alliance Insurance Services to anyone looking for dependable insurance with personal, top-notch service!"
Eleine
"We had a great experience working with CF Alliance Insurance for both our home and auto insurance needs. From the very beginning, they were knowledgeable, responsive, and genuinely interested in helping us find the best coverage at a reasonable rate.
They took the time to explain all ouroptions clearly and answered every question with patience and professionalism. I especially appreciated how smooth and stress-free the entire process was—from quoting to finalizing the policies.
It’s reassuring to know to have an agent who truly cares about protecting our family and property. We highly recommend John Cabrera to anyone looking for reliable, personalized insurance service."
Phillip
"Excellent service. Other brokers couldn't get coverage for our "high risk" roller skating business, but CF Alliance came through for us"
Roland Fong
"I have been with CF Alliance since 2021. My servicing agent is Jackie Fung. Of all the insurance agents/brokers I have dealt with over the years, Jackie is by far the most proactive, knowledgeable and helpful. She is patient and would go to great lengths to help you understand your insurance coverage/constraints despite her busy schedule. In a heartbeat, I would recommend her to anyone who is in need of a passionate and compassionate insurance professional.
PS - Although we share a similar last name, we are not related in any way."
Yi Yang
"I trust Jackie deeply and would highly recommend her service! Ms. Jackie Fung was the insurance agent for my first car in the U.S., and I've been using her services on and off for about 7-8 years. In this fast-paced, consumer-driven era, she's always been very patient and respectful, providing genuine help, openly sharing information with me, and taking the time to understand my situation to help me choose the best insurance policy."
Gemma Balbuena
"I have been with CF Alliance since 2006. They have excellent services. Most especially Michelle Apilado. She is always there helping me to find reasonable amounts for car and home insurances. She is very deligent, accommodating and easy to deal with. She acts very quickly in finding cheaper car insurance premium. Overall, I will highly recommend CF Alliance to my friends and relatives."
Yi Yang
"I trust Jackie deeply and would highly recommend her service! Ms. Jackie Fung was the insurance agent for my first car in the U.S., and I've been using her services on and off for about 7-8 years. In this fast-paced, consumer-driven era, she's always been very patient and respectful, providing genuine help, openly sharing information with me, and taking the time to understand my situation to help me choose the best insurance policy."
James Pacha
"I had the pleasure of working with Ms. Michelle Apilado for my insurance needs, and I cannot recommend her highly enough. Michelle is incredibly approachable and made the entire process easy to understand. What truly sets her apart is her availability—she is always willing to answer my questions, no matter how big or small, and she does so promptly. It’s clear that she cares about her clients and go the extra mile to ensure they feel confident and well-informed. I’m grateful to have an agent I can trust and rely on. If you’re looking for someone dependable and knowledgeable, Michelle is one of the best!"
Max Cheng (Max A. Cheng)
"I cannot stress this enough, but Jackie is the best. She's personable and she's knowledgable. She is always available when you need to speak to her. Over the year, I've gotten to know her and I can truly attest to her professionalism and dedication to her job. She really cares about all of her clients!"
Ruoyun Li
"CF Alliance always gives us very professional commercial insurance plans, and we often receive very heartwarming tips of protecting properly the properties in different seasons. Especially after our products were stolen, they reported the loss for us in a timely manner and we received compensation finally. Like and Recommendation."
Loveunder
"Michelle has been helping me for years now & I couldn’t be happier! She made the insurance process a breeze. Friendly, knowledgeable, honest , always patient & ready to tackle all my questions.& concerns. She went up & above to help us. Highly recommended!"
Statewide Service, Madison-Ready
Our office is located at 16735 W Greenfield Ave in New Berlin, and we serve clients throughout Wisconsin — including Madison, Middleton, Fitchburg, Verona, Sun Prairie, and the broader Dane County area. We're available Monday through Thursday in-office and by phone or appointment on Fridays. Every quote request, coverage question, and documentation need is handled within 12 hours, no matter when it comes in.
Reach us at office@nexgenrs.com or by phone at our office line ending in 0871. For clients who prefer to handle things online, our service center and life insurance quoting portal are available anytime.
Madison Insurance Questions, Answered
Do I need professional liability insurance if I already have general liability in Madison?
Yes, and this is a common gap for Madison's service-based businesses. General liability covers bodily injury and property damage, but it does not cover claims that your advice, consulting, or professional services caused a financial loss. If you provide any kind of professional service or guidance, professional liability is a separate and important coverage.Can a Madison-area contractor get a certificate of insurance the same day?
In most cases, yes. We turn around certificates of insurance within 12 hours of a request, including on weekends. If you have a job starting Monday and need documentation before then, reach out to us directly at office@nexgenrs.com.Is NexGen Risk Solutions licensed to write insurance in Madison and Dane County?
Yes. We are a Wisconsin-licensed independent agency serving clients statewide, including Madison, Dane County, and surrounding communities. Our headquarters is in New Berlin, and we work with Madison clients entirely remotely or by appointment.What types of businesses in Madison does NexGen typically insure?
We work with a wide range of Madison-area businesses, including consultants, professional service firms, contractors, retail shops, salons, auto service businesses, and technology companies. If your business handles client data, we also place cyber liability coverage, which is increasingly relevant for Madison's tech and healthcare sectors.How does an independent insurance agent in Madison differ from a captive agent?
A captive agent represents a single insurance company and can only offer that company's products. As an independent agency, we work with multiple carriers, which means we compare options across the market and place you with the coverage that fits your situation — not just what one company offers.