About Us
Protection for Contractors & Service Businesses
Wisdom Insurance Agency is an independent agency headquartered in Pewaukee, Wisconsin. Since 2013, we've specialized in contractors, junk removal, and dumpster rental insurance — and we've built a team that's been on the other side of the clipboard.
Our mission: Protecting Futures
We exist because trade and service businesses deserve an insurance partner who actually understands their work. We don't sell generic policies off a shelf. We learn your operation, shop over 20 carriers, and build coverage that holds up when it matters.
Why clients choose Wisdom
Independent agency
We work for you, not the insurance companies. That means we shop over 20 carriers — including Travelers, Liberty Mutual, Erie, Acuity, Pie, AmTrust, and Geico — to find the right fit for your business.
Niche focus since day one
Junk removal and dumpster rental has been our specialty since we opened in 2013. We know the trucks, the contracts, the jobsite risks, and the coverage gaps that catch haulers off guard.
Run by people who've run trade businesses
Two of our team members owned contracting businesses for a combined 40+ years. When you describe your operation, we understand it — not just as a risk category, but as a business.
Free coverage-gap reviews
We offer complimentary reviews of your existing coverage. If there's a gap that could expose your business, we'll find it and explain it in plain language.
OUR TEAM
People who understand your business
Two of our team members owned contracting businesses for a combined 40+ years. When you describe your operation, we get it.
Toby Stubbs
Founder & Principal Agent
In insurance since 2004, starting at a middle-market commercial agency in the Chicago suburbs. Toby founded Wisdom in 2013 with a single focus: become the insurance specialist the waste industry never had.
Jim De Meo
Business Insurance Consultant
Ran his own plumbing contracting business for over 20 years before joining Wisdom. He brings a contractor's perspective to every coverage conversation.
Farrah Hogan
Operations Manager
20+ years in the trades — she owned a painting and contracting business and a construction management company. Farrah understands the risks from the inside out.
Steve Hirst
Business Insurance Consultant
Five years at Country Companies before joining Wisdom. Steve brings solid commercial lines experience and a straightforward approach to coverage.
Jennifer Novak
Account Manager
Licensed account manager focused on junk removal and hauling accounts. Jennifer knows the specific coverage needs of haulers and helps clients stay properly protected.
Marie Mullins
Account Manager
Came to Wisdom from another Erie agency, bringing deep familiarity with commercial lines and a client-first approach to account management.
Thomas Stubbs
Technology & Operations Support
UW–Milwaukee graduate who manages the agency's software integrations and keeps operations running smoothly behind the scenes.
Sella De Vera
Customer Service Representative
With 5+ years of experience, Sella specializes in compliance and certificates of insurance — making sure clients have the documentation they need, when they need it.
HEADQUARTERS
2309 Silvernail Rd
Pewaukee, WI 53072
HOURS
Mon–Fri 8:30 am – 5:00 pm
Saturdays by appointment
Ready to talk coverage?
Call us at 1-800-236-2596 or request a quote online. We're open Monday–Friday 8:30–5, and Saturdays by appointment.
Get a Quote