Business Insurance in Wisconsin

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What are the requirements for small business insurance in Wisconsin?

State laws can affect which insurance policies you need for your small business. These policies are required for Wisconsin businesses.
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Workers' compensation insurance

Generally, Wisconsin state law requires businesses with three or more employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

All business-owned vehicles in Wisconsin must be covered by commercial auto insurance. Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Wisconsin's commercial auto insurance requirements are:

  • Bodily injury liability: $25,000 per person / $50,000 per accident
  • Property damage liability: $10,000 per accident
  • Uninsured motorist coverage: $25,000 per person / $50,000 per accident

Recommended insurance policies for small businesses in Wisconsin

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How much does small business insurance cost?

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Commercial insurance can be affordable for a small Wisconsin business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in Wisconsin business insurance

In Wisconsin, insurance agents, agencies, and brokers are licensed by the Wisconsin Office of the Commissioner of Insurance. Insureon is licensed in Wisconsin as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 100195984).

You can verify our licensure with the National Association of Insurance Commissioners by selecting Wisconsin, licensee, business entity, and then entering our NPN or license number.

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