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Trusted Insurance & Risk Management Solutions in Eau Claire
M3 Insurance combines local expertise with advanced analytics to deliver tailored risk management solutions. Our team prioritizes client needs through personalized guidance and innovative tools that transform data into actionable insights. As a privately held organization, we focus on long-term relationships and community impact, offering comprehensive services in employee benefits, cyber liability, HR compliance, and specialty insurance. Our claims specialists advocate for clients with decades of experience and strategic partnerships.

We serve diverse industries including education, healthcare, financial institutions, and tribal nations, with offices across the Midwest. Our commitment to excellence is reflected in our M3 Foundation's community initiatives and our Connect Companies' complementary services. Clients access real-time compliance alerts and weekly risk management insights through our digital platforms. Our executive leadership team drives growth while maintaining our core values of integrity and client-first service.
Services
Employee Benefits Cyber Liability HR Services Medicare Solutions Pharmacy Solutions Surety Bonds Broker Analytics Claims Reporting Personal Lines Financial Services
Highlights and features
  • Privately held structure prioritizing client interests over short-term returns
  • Advanced analytics tools combined with local market expertise
  • 24/7 claims advocacy with experienced specialists
  • Industry-specific solutions for education, healthcare, and tribal nations
  • Community-focused approach through M3 Foundation initiatives
Services
Employee Benefits
We develop customized employee benefits packages that attract top talent while controlling costs. Our solutions include health insurance, retirement plans, and wellness programs tailored to your organization's specific needs. Our team provides ongoing support for compliance and optimization.
Cyber Liability
Our cyber liability solutions protect against data breaches and digital threats. We offer risk assessments, incident response planning, and insurance coverage tailored to your business's specific vulnerabilities. Our partnerships with cybersecurity experts help strengthen your defenses against evolving threats.
HR Services
We provide comprehensive HR solutions to help businesses stay compliant with employment regulations. Our services include policy development, employee handbook creation, and training programs. Our specialists handle day-to-day HR tasks so you can focus on business growth.
Medicare Solutions
Our Medicare advisors help individuals and businesses navigate healthcare options. We offer personalized plan comparisons, enrollment assistance, and ongoing support for Medicare Advantage, Part D, and supplemental plans. Our guidance ensures coverage that meets specific healthcare needs.
Surety Bonds
We provide surety bond solutions for contractors and businesses requiring financial guarantees. Our services include bid bonds, performance bonds, and payment bonds tailored to construction projects and contractual obligations. Our team helps establish strong contractor-surety relationships.
Questions
What insurance services does M3 offer?
We provide employee benefits, cyber liability, HR compliance, Medicare solutions, pharmacy cost management, surety bonds, and specialty insurance products for businesses and individuals.
How do I report a claim?
Call our 24/7 claims reporting line at 1.800.272.2443 or use our online submission forms for auto or non-auto incidents through the M3 Insurance website.
Do you serve businesses outside Wisconsin?
Yes, we serve clients across the Midwest with offices in Wisconsin, Minnesota, Illinois, and Michigan, providing both local expertise and national resources.
How do you handle cyber liability risks?
We combine risk assessments, incident response planning, and insurance coverage with partnerships like Arctic Wolf to address AI-driven cyber threats through proactive defense strategies.
What makes M3 different from other insurers?
As a privately held company, we prioritize client needs over Wall Street demands, combining local market knowledge with advanced analytics tools for personalized, data-driven solutions.
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