Wisconsin Workers Compensation

Employers across the country are required to carry workers compensation coverage for their employees with very few exceptions. Understanding this coverage and your responsibilities as a business owner will help you make the best decisions for your business and your employees while complying with requirements specific to Wisconsin.

What is Workers Compensation Coverage?

Workers compensation is insurance for your business that covers the cost of employee injuries and illnesses that may occur while on the job. Your coverage will pay for the medical expenses, as well as any income losses your employees may incur as a result of their injury or illness. The coverage is required for most businesses in Wisconsin, and although the costs can seem high in some cases, paying the full amount for an employee’s injury or illness will be much higher than any premiums you’ll pay.

Understanding Workers Compensation in Wisconsin

While many of the basics of workers compensation are similar across the United States, there are some rules and requirements that are specific to Wisconsin.

  • Businesses with three or more full-time or part-time employees working in Wisconsin must have coverage, even if the business is based or was founded in another state.
  • Coverage is required if you employ one or more full-time or part-time employees and pay them $500 or more in gross wages during a quarter.
  • Independent contractors must have workers compensation if they are working for a company but not as an employee.
  • In Wisconsin, farmers who employ six or more people on the same day for any 20 days of the year are required to have workers compensation coverage in Wisconsin.
  • Domestic servants are exempt from workers compensation in Wisconsin.
  • Any one who is employed by a company but is not in the trade, business, profession, or occupation of the employer is exempt.
  • Wisconsin has a private insurance market but offers an assigned risk pool for any business that has trouble finding workers comp coverage.
  • Sole proprietors, partners, and members of LLCs are excluded from coverage but can be included.
  • Corporate officers are automatically included as employees but can exclude themselves from coverage.
  • In Wisconsin, no waivers are allowed for workers compensation coverage.
  • There is a three-day waiting period for benefits to an employee after an injury.
  • Compensation becomes retroactive if the employee’s injury continues for more than seven days.

How to Get Wisconsin Workers Compensation Insurance Coverage for Your Businesses

To find the best Wisconsin workers compensation coverage for your business at the best price, you should work with an independent insurance agent. We have access to multiple insurance providers and will take the time to understand your business and your needs to find the right coverage for you.

You can request a quote for your workers compensation coverage in Wisconsin from the team at America’s Workers Compensation. We’ll work with you to find the best coverage at the right price for you. Protect the business you’ve worked so hard to build and your employees who have made your dream a reality. Find the right workers compensation policy for your company today. Let us help you.

Get A Quote Today!

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