facebook pixel

Wisconsin Contractor Insurance

The Insurance You Need Fast, Cheap & Easy!

From Wisconsin Workers’ Compensation Insurance to General Liability, Commercial Auto Insurance More We Are Your Easy & Stress Free Construction Insurance Provider in Wisconsin State!

contractors liability insurance
Berkshire Hathaway Guard Insurance companies logo
Dovetail a victor company logo
Travelers logo Icon with transparency
Nationwide Logo with transparency
Tokio Marine HCC logo
Distinguished programs logo

Business Insurance for Contractors in Wisconsin

As a contractor in Wisconsin, it is important to protect yourself and your business with the right insurance coverage. Accidents and unexpected events can happen on the job, and having the right insurance can help safeguard your business and financial stability. 

This article will provide an overview of the types of insurance coverage contractors in Wisconsin should consider, as well as some tips for finding and choosing the right insurance policy.

Wisconsin General Liability Insurance

This type of insurance protects contractors from financial liability in the event of property damage or personal injury resulting from their work. This coverage is especially important for contractors who work in high-risk industries, such as construction or landscaping.

Wisconsin General Liability Insurance Coverage Includes:

  • Property damage you cause at a job site
  • Products
  • Slander
  • False advertising

Wisconsin Workers' Compensation Insurance

This insurance is required by law for most contractors in Wisconsin, and it provides financial protection to injured employees. This coverage pays for medical expenses, lost wages, and other costs related to a workplace injury.

Wisconsin Commercial Auto Insurance

As a contractor in Wisconsin, it is important to protect yourself and your business with the right insurance coverage. Accidents and unexpected events can happen on the job, and having the right insurance can help safeguard your business and financial stability. 

This article will provide an overview of the types of insurance coverage contractors in Wisconsin should consider, as well as some tips for finding and choosing the right insurance policy.

Several types of insurance coverage contractors in Wisconsin should consider protecting themselves and their businesses. Some of the most common types of coverage include:

Wisconsin Builder's Risk Insurance

Damages to structures being built are covered by Wisconsin builder’s risk insurance. This covers things like supplies on the job site before installation, the value of a building up until the owner accepts it, remodeling and renovation projects, and building more rooms. The contractor that is in charge of the construction development typically has this insurance. However, if the client or property owner is responsible for insuring the building, it may also be in their name. Anyone with a financial stake in the development of the property must have this insurance. It will get everyone ready for a smooth, effective construction procedure.

For your builders risk insurance, we provide free, contrasting quotations so you can get the best deals available.

Wisconsin Inland Marine Insurance

Moveable property on land, such as sporting goods, apparel, computers, electronic data processing (EDP) equipment, data, and phones, is covered by Wisconsin inland marine insurance. For these things as well as many more, we provide expert coverage. Loss, theft, and vandalism are frequent losses that Inland Marine covers. To make sure you’re sufficiently protected in the event of an accident, our insurance specialists will work with you to identify qualifying property and policy levels.

Wisconsin Commercial Umbrella Insurance / COI

The Wisconsin Umbrella Liability policy offers security against substantial liability lawsuits resulting from your commercial or personal auto work, your house, or your business activities. Beyond the limits they have chosen for their primary policies, the umbrella program is intended to shield clients’ financial assets against potentially disastrous claims.

Anyone could become embroiled in a significant liability case as it happens more frequently than ever. Not only are verdicts frequently hefty, but it can be expensive to defend yourself. The following are some scenarios when an umbrella policy would be required:

  • The occupants of an approaching vehicle are seriously injured or killed when your car crosses the centerline of the road while it is on ice. The State of Wisconsin offers a $350,000 adult and $500,000 child wrongful death payout. These damages or catastrophic permanent injuries may swiftly exceed the underlying home or auto limits.

Wisconsin ACORD Certificates

A Wisconsin ACORD insurance certificate is a formal document that certifies the existence of a valid liability insurance policy for the company. Details on the insurance coverages and the policies issued by the insurance provider are typically included in this one-page document. This contains the insurer’s name, its limits, and broker information. The liability insurance certificate is typically requested from tenants, and government licensing bodies, and when entering into contracts with other companies as evidence that should something go wrong on your part, they would be adequately paid.

A broker or the insurance provider often issues a certificate of insurance. Some companies offer it as soon as the insurance policy between the insured, and the insurer is signed. You might need to submit a request if you want a copy of the Wisconsin liability insurance certificate with other insurance firms. It is advisable that you submit the request a few days before you actually need it because there is a brief delay in this situation.

Business Insurance for Contractors in Wisconsin

Before you start shopping for insurance, it is important to understand your business’s unique coverage needs. Consider the types of services you offer, the types of clients you work with, and any potential risks or liabilities that may arise in your line of work. This will help you determine the types of insurance coverage that are most important for your business. You should also consider your budget and the level of coverage you can afford. It is important to find a balance between coverage that meets your needs and a policy that is affordable and fits within your budget.

Working with an Insurance Broker

An insurance broker can be a valuable resource in finding and choosing the right insurance policy for your business. A broker is a licensed professional who represents multiple insurance carriers and can help you compare policies and find coverage that meets your needs and budget. They can provide valuable insights and assistance in selecting coverage that is tailored to your specific business needs. Working with a broker can save you time and effort in the insurance shopping process and can help you find the best coverage at the most affordable price.

Other Tips for Finding and Choosing the Right Insurance Policy

  1. Shop around: Don’t be afraid to shop around and compare insurance policies from multiple providers. This can help you find the best coverage at the most affordable price.
  2. Read the fine print: It is important to carefully review the terms and conditions of any insurance policy you are considering. Pay attention to exclusions and limits, and make sure you understand what is and is not covered by the policy.

Wisconsin contractor insurance is an essential tool for protecting your business and financial stability. By understanding your coverage needs, shopping around for policies, and working with an insurance broker, you can find the right insurance policy to safeguard your business against potential risks and liabilities. Don’t wait until it’s too late – make sure you have the right insurance coverage in place before you start your next project.

Texas Locations

We Have Texas Covered

San Antonio

Dallas

Austin

Fort Worth

El Paso

Arlington

Corpus Christi

Plano

Irving

Lubbock

lAREDO

Your Wisconsin Contractors Insurance Questions Answered

Get answers to your most common questions from Contractors Liability

For General Liability Insurance in Wisconsin you need $1,000,000 per occurrence and $2,000,000 aggregate almost 100% of the time. 99% of all General Liability policies we sell in Wisconsin are $1,000,000/$2,000,000.

For Commercial Auto Insurance in Wisconsin you need $1,000,000 CSL meaning $1,000,000 Combined Single Limit for Bodily Injury and Property Damage to the other party combined. To protect your Wisconsin vehicle you need to have Comprehensive and collision coverage. Commercial Auto Collision Insurance in Wisconsin covers any collision and Comprehensive Commercial Auto Insurance covers anything but collision.

For Workers Compensation Insurance in Wisconsin you need $500,000/$500,000/$500,000 in general. This covers your workers in the event of a claim where the owner is liable up to $500,000. In 99% of cases the owner is not liable and coverage for workers compensation is unlimited.