WI Workers Comp Information

Get current information about Wisconsin workers compensation insurance rules.

It is important for all business owners to know the rules and regulations associated with workers compensation in the state of Wisconsin. Businesses with 3 or more full or part-time employees must carry workers comp coverage. Most business owners know they are required to carry this insurance, but many do not have a full understanding of what it is. At Workers Compensation Shop.com we want to be your go to resource for all of your coverage needs.

Learn more about Wisconsin workers' compensation rules below. If you have any questions about workers comp and how it can help your business, call one of our experts at 888-611-7467. We can help find the right coverage for your business needs.

At Workers Compensation Shop.com, we shop workers comp insurance so you don't have to.

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About Workers Compensation in Wisconsin

Wisconsin Department of Workforce DevelopmentWorkers' Compensation Division

P.O. Box 7901
Madison, WI 53707-7946
608-266-1340

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

Wisconsin Compensation Rating Bureau

The Wisconsin Compensation Rating Bureau(WCRB) acts as administrator and trustee of the assigned risk plan. The WCRB mission is to is to administer and enhance Wisconsin's system of worker's compensation classifications, rates, rating plans, and forms.

How does workers comp help my business?

Your business benefits by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee.

Wisconsin's Open Market

Workers comp coverage in the state of WIsconsin is administered on an open market. There are about 300 insurance companies licensed to write workers' compensation insurance in Wisconsin. This large number of carriers keeps rates low through competition. It also makes it extremely important to shop your policy with many carriers. Not all carriers offer the same rates, discount, credits or dividends. Premiums can differ widely amongst carriers. We work with more than 15 carriers and can shop your policy to get the best coverage at low rates.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Healthcare
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
WI Owner/Officer Treatment

WI Inclusions/Exclusions

Sole proprietors, Partners and LLC Members are excluded from coverage in Wisconsin, but may elect to be included.

Corporate Officers are included in coverage but may elect to be exempt under certain circumstances. If a closely held company has no more than 2 corporate officers and has not other employees than a workers' compensation policy is not required. A closely held corporation is one that has less than 10 stockholders.

WI Payroll Requirements for Owners

If a sole proprietor or partner are included in a workers' compensation policy then they must use a payroll of $46,384.00. If a Corporate Officer or a LLC Member is included in coverage than payroll must be a minimum of $268.00 per week and a maximum of $1338.00 per week.

Let Workers Compensation Shop.com help your business navigate workers comp insurance in Wisconsin.

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Once we've got your best quotes back from our carriers, we take the time to help you understand your options and the next steps to get covered quickly.
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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.
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