Workers’ Compensation Insurance in Wisconsin

Work place injuries at Wisconsin-based businesses happen, and business owners need to be prepared. Workers’ Compensation insurance in Wisconsin protects your employees and your business when someone gets hurt at work. This coverage helps pay medical bills and replace part of lost wages, helping you keep your business open & getting employees the support they deserve.

Protect Your Business and Employees

Get a Quote

What Does Workers’ Compensation Insurance Cover?

A Workers' Compensation insurance policy can help cover several types of costs after a workplace injury.

Medical Bills

Can help pay for doctor visits, hospital care, medicine, and other treatment for a work injury.

Lost Wages

Can help replace lost income if an injured employee cannot work while they recover.

Disability Benefits

If an injury causes temporary or long-term disability, benefits may help provide financial support.

Rehabilitation Services

Some injuries require physical therapy or job training to help employees return to work.

Common Workplace Risks in Wisconsin

Different industries face different risks. In Wisconsin, workplace injuries can happen in many ways.

Common examples include:

Construction injuries, such as falls or equipment accidents
Manufacturing injuries, including machine-related incidents
Slip-and-fall injuries in stores, offices, or job sites
Vehicle-related injuries for employees who drive for work
Warehouse injuries, including lifting or material handling

Having the right Workers' Compensation insurance coverage helps ensure employees receive care when injuries occur.

Who Needs Workers’ Compensation Insurance?

You likely need Workers' Compensation insurance coverage if:

Your business has one or more employees
You have one employee working 35 hours, or more, per week, for 13 weeks or more
Employees perform physical work and/or use tools and equipment
Workers drive and/or travel as part of their job
Your business could face injury risks on the job

Wisconsin industries that often require Workers’ Compensation coverage include:

Construction and Contracting

Landscaping and Lawn Care

Excavators and Excavation Contractors

Grocery Stores and Supermarkets

Coffee Shops

Manufacturing and Distribution

Janitorial Services

Pharmacies

Retailers

Wineries and Vineyards

View more industries we insure

Get Wisconsin Workers’ Compensation Insurance

Hastings works with independent agents to help you find Workers' Compensation coverage. It supports your employees and protects your small to mid-sized business.

Find a Wisconsin Agent to Get a Quote

FAQs About Wisconsin Workers’ Compensation Insurance

What does Workers’ Compensation insurance cover?

Workers’ Compensation can help pay medical bills and cover rehab when an employee gets hurt at work. It can also replace lost wages.

Does Workers’ Compensation cover every injury?

Workers’ Compensation usually covers injuries that happen while an employee is doing job-related work. Injuries outside work duties may not be covered.

Can you combine Workers’ Compensation with other business insurance?

Yes. Many businesses combine Workers’ Compensation with other types of coverage such as General Liability, Commercial Auto insurance, and Property insurance.

How Much Does Workers’ Compensation Insurance Cost in Wisconsin?

The cost of Workers' Compensation insurance in Wisconsin depends on several factors.

These may include:

Industries with higher risks, such as construction or manufacturing, usually have higher premiums than lower-risk office jobs.

An experienced insurance agent can help you understand these factors and find the right coverage.

How do I find an agent near me?

Visit our insurance agent locator to find an agent near you to get started.

Check Out All Our Products

Commercial Insurance Built for You

We offer a wide range of Commercial insurance products. Find the product that's right for you!

Types of Business Insurance

Get Insurance for Your Car and Home

You need to protect more than just your business. Get insurance for your personal property too!

Personal Lines Insurance

Insurance for All Types of Farms

Hastings offers a range of products specifically designed for farmers.

Farm Insurance

What Sets Hastings Apart

Hastings stands out for our dedication to providing personalized service and comprehensive coverage, including:

Industry Expertise: Deep understanding of your industry and its unique risks.
Wide Range of Coverage Options: Offering insurance solutions that address the diverse needs of different businesses.
Excellent Customer Service: Dedicated support from knowledgeable agents.
Loss Control: Personalized loss control and safety plans.

Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by Hastings Insurance Company (Hastings). Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions, and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.