Wisconsin Workers' Compensation

PolicySweet® helps small business owners and operators in Wisconsin secure Workers’ Compensation insurance. If you are planning to operate a business in Wisconsin or your current business is experiencing growth, Wisconsin Workers’ Compensation insurance is something you should consider. With the help of our experts, you can have a better understanding of the options available as well as potential costs. Request a quote today.


How Can PolicySweet Help?

We Can Help You Save Time

Getting a quote from PolicySweet for your Wisconsin Workers’ Compensation is easy. You can either fill out our online form or contact us directly. Either way, it only takes a few minutes to find the coverage your business may be looking for.

We Can Help You Save Money

Legal liabilities can be expensive. To help your bottom line, PolicySweet can provide you with Wisconsin Workers’ Compensation insurance that can meet your specific needs. By providing coverage to your employees, you could have “peace of mind” knowing that your employees and business can be protected in the event of a workplace injury or accident.

We Can Help You Protect Your Business

Wisconsin Workers’ Compensation insurance can be a great way to help protect your business in the event of legal liability. These incidents can be anything from workplace accidents like a slip and fall or an injury due to the use of equipment.

Understanding Workers’ Compensation

If you are a startup or small business in Wisconsin, you might be unfamiliar with Workers’ Compensation. To give you a little more clarity, Workers’ Compensation can provide benefits to employees if they are injured or become ill due to conditions in the workplace. Workers’ Compensation can provide medical expenses, lost wages, ongoing support, and more.

Most states, if not all, require businesses to purchase Workers’ Compensation insurance for their employees and Wisconsin is no exception.

In Wisconsin, if your business is run by three or more employees, then you may be required by law to obtain Wisconsin Workers’ Compensation insurance. Regardless of whether your employees are part-time or full-time, temporary or permanent, the law is still applicable.

What Will Happen If You Don’t Provide Workers’ Compensation?

Just like anyone who fails to follow the law, there could be some form of penalty. If you’re found without Workers’ Compensation insurance in Wisconsin, you could face fines and penalties from the state.

In Wisconsin, the penalty for any lapse in Workers’ Compensation coverage is usually twice the amount of the premium not paid during the uninsured time period or $750, whichever is greater. The Worker’s Compensation Division can also cease your business operations until you obtain coverage.

Who Is Not Considered an Employee Under Workers’ Compensation Law?

The Wisconsin Workers’ Compensation Act may not apply to independent contractors. This law typically applies only to employees who are under the control and direction of their employers with regard to the manner in which their work is done.

To be more specific, here is a list of personnel who may not be considered employees under Workers’ Compensation law:

  • Volunteers in nonprofit organizations
  • Family members working on a farm in certain situations
  • Private domestic servants or caregivers
  • Employees that are under the federal laws
  • Certified members of religious organizations
  • Real estate agents
  • Real estate brokers

How Can I Obtain Workers’ Compensation Insurance?

Now that you know more about Workers’ Compensation insurance, consider getting coverage from PolicySweet. With us, you can purchase Wisconsin Workers’ Compensation insurance with just a few clicks of your mouse or taps on your phone screen.

Step 1: Get a Quote

During the application process, you’ll be asked to provide basic information about your business such as industry, number of employees, and payroll.

Step 2: Submit Your Application

Once you submit your application, we will calculate a rate and provide you with your insurance quote. Our team is also available to assist every step of the way to help ensure that you get quality coverage at an affordable rate.

Step 3: Enjoy Your Coverage

Once your application is approved and you accept the terms of the policy, you can start enjoying your coverage right away.

Employer Responsibilities

It’s important to note that as an employer, your responsibilities do not end once you purchase the Wisconsin Workers’ Compensation coverage. Now, let’s go through some of the things you should keep in mind:

Maintain Your Coverage:

Fines and penalties may be imposed on those who fail to maintain the insurance coverage, so make sure to keep your policy current and up-to-date.

Report Injuries:

You should report to your insurance company injuries or illnesses sustained by an employee while on the job as soon as possible.

Keep Records:

You should keep detailed records of injuries and illnesses related to Workers’ Compensation claims.

Keep Your Employees Informed:

Provide your employees with information on their rights and responsibilities under the Wisconsin Workers’ Compensation law. Also, make sure to have the contact numbers of your insurance provider and any relevant third-party administrators ready and accessible in case of an emergency.

By following these simple steps and taking advantage of the tools available to you, you can help ensure that your business is compliant with the Wisconsin Workers’ Compensation law and that your employees could be adequately protected from injuries or illnesses sustained while on the job.

Get a Quote Now

Start protecting your business and employees now by getting a quote on Wisconsin Workers’ Compensation insurance at PolicySweet. Fill out the form online or call us today to speak with one of our knowledgeable representatives!

Please Note: State-specific information is subject to change at any time. Always consult with your state’s official information and resources for the most accurate information.