Best Workers Comp Insurance In Wisconsin For Your Business (rates from $85/month)

Written By Licensed Agent Sa ElJanuary 17, 2022

Workers' compensation insurance is a vital part of any business. And suppose you are one of the 453,000 Wisconsin small business owners, entrepreneurs, freelancers, or sole proprietors. In that case, you know that every business should have coverage in case an employee is injured on the job.

But, what's the best workers' comp insurance for businesses in Wisconsin?

We made this quick and easy guide to assist you in finding the perfect workers comp insurance company in Wisconsin. You'll learn about costs, what's covered, exclusions, and more.

Best Overall


simply business logo

Simply Business is best for contractors and professionals who need affordable business coverage. You can even get suggestions on coverage options and free quotes from the company’s insurance partners in under 10 minutes. Regardless if you need workers comp or general liability.

More Of The Best Companies For Workers Compensation Coverage In Wisconsin Below...

Best For Professionals


progressive commercial insurance logo

Progressive needs no introduction when it comes to their extensive coverage options and strong customer service record.

Best For Any Business Size


coverwallet logo

Coverwallet is a one-stop-shop for business coverage regardless of size. Their low rates and online application, earned them 3rd.

Best For Technology


cyberpolicy logo

Cyber Policy is an insurance marketplace for business insurance. Their primary focus is cyber insurance and they are our fourth pick.

How Much Is Workers Comp Insurance In Wisconsin?

The median for worker's comp insurance in Wisconsin is $85.00 per month or $1,020 per year. In WI, workers' compensation insurance costs may differ significantly depending on several criteria, such as the sort of business you run, its location, and your safety record.

Who Has The Cheapest Workers Comp Insurance In Wisconsin?

Huckleberry has the cheapest workers compensation insurance cost in Wisconsin, with rates starting as low as $85.00 per month. They also offer instant estimates, no-commitment quotes, and instant coverage. 

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How Does Workers Compensation insurance Work In Wisconsin?

Workers' compensation insurance is a type of insurance that provides benefits to your employees if they suffer an occupational injury or sickness.

This coverage, also known as workers' comp or workman's comp insurance, may help pay for your injured or sick employees' medical costs. It can also assist with lost income due to missed work.

Workers' compensation insurance is designed to help you and your employees avoid financial harm caused by workplace injuries such as lost wages.

This coverage will:

  • Support companies in various industries
  • Promote worker safety
  • Get employees back to work or transitional work
  • Provide access to training for new skills

Most states require companies with employees to carry workers' compensation insurance. But requirements vary from state to state.

Employees can receive workers' compensation insurance, regardless of who is at fault for the injuries or illness.

How Is Workers Compensation Different From Health Insurance?

One major difference between workers comp insurance and individual health insurance is that workers' compensation insurance applies only to workplace injuries, while the latter only applies to non-work injuries.

What Does Workers Compensation Benefits Cover In Wisconsin? 

Your insurance will cover the basics in Wisconsin, including medical care, temporary disability benefits, permanent disability benefits, additional job displacement benefits, and a return-to-work supplement. Furthermore, death payments are covered by workers' compensation insurance.

The vast majority of workers compensation claims are quickly resolved.

However, issues may arise if you and your employer can't agree on whether you sustained the harm on the job and how much in benefits they are entitled to receive.

The following is a list of injured laborer benefit entitlements in Wisconsin.

  • Medical treatment fees
  • Temporary disability payments
  • Permanent disability payments
  • Life pension payments
  • Vocational retraining costs
  • The cost of burial death benefits

What Types Of Employee Injuries Does Workers Comp Not Cover In Wisconsin?

Workers' Compensation insurance covers most incidents that occur in the course and scope of employment, except for "off-the-job" occurrences.

In the end, each case must be decided on its own merits. However, there are instances when an insurance company would not cover an injured worker's claim. Some examples include:

  • Driving to/from work
  • Intoxication/intentional act
  • Horseplay
  • Intentional acts
  • Illegal activities
  • Policy violations
  • Terminated employees

How Many Employees Do You Need To Have Workers Comp In Wisconsin?

In Wisconsin, workers' compensation is required if you have three or more employees at your company. There are, however, some exceptions to the state regulation, such as domestic laborers who usually work in houses.

INSURANCE WHERE YOU LIVE

Workers Comp Insurance By State

Who Needs Workers Comp Insurance In Wisconsin?

Small Business owners will need workers comp in Wisconsin if they have three or more employees at their company. There are, however, some exceptions to the state regulation, such as domestic laborers who usually work in houses.

Which Industries Buy Workers Comp Policies In Wisconsin The Most?

Below is a list of industries that most often purchase workman's comp insurance for their new company or startup: 

  • Landscaping & Lawn Care
  • Food & Beverage
  • Legal
  • Accounting & Finance
  • Retail
  • Hair & Beauty
  • Fitness
  • Day Care
  • Commercial Cleaning
  • Heating & Air Conditioning

Who Is Exempt From Workers Comp Insurance Wisconsin?

Workers' compensation is necessary only for certain employees. In Wisconsin, it is not required for certain workers, which include:

  • Business owners/sole proprietors (aside from roofers)
  • Contractors
  • Domestic workers who are related to their employers
  • Individuals who work for aid (food, housing, etc.) rather than pay
  • Specific volunteers, including volunteers for non-profit organizations
  • Deputy sheriffs and deputy clerks
  • Students participating in amateur sporting events/amateur sports officials

Do Independent Contractors Need Workers Comp Insurance In Wisconsin?

No. Workers' compensation benefits are not available to independent contractors, and the workers' compensation system is only for employees.

The distinctions are crucial if you're hurt while working for a business. Because you are not currently employed with the company, the private insurance companies may refuse your workers comp claims. Many of the rules do not apply to contractors that work on an independent basis.

A subcontractor's status as a contractor may be used as a "subterfuge" to avoid employee status, which means that an employer might falsely claim that you are contracted independently to avoid paying you workers' compensation benefits.