Wisconsin Insurance Guides, Plain and Simple

Wisconsin doesn't mandate general liability insurance for most sole proprietors, but that doesn't mean you're protected without it. If a client is injured at your location or because of your work, you're personally liable. Most contracts and commercial leases also require proof of coverage before you can start work.

A common starting point is 10–12 times your annual income, but the right number depends on your debts, dependents, income replacement needs, and whether your employer provides any group coverage. Our life insurance guides walk through the math in plain terms so you can pressure-test the number before you buy.

General liability covers third-party bodily injury and property damage claims. A Business Owner's Policy bundles general liability with commercial property coverage — and often costs less than buying both separately. Whether a BOP makes sense depends on whether you have physical assets worth insuring.

Yes. Wisconsin requires most employers with three or more employees to carry workers' compensation insurance. Some one- and two-person operations are also required to carry it depending on their structure. The rules have nuances — our workers' comp guide covers who's required, who's exempt, and what the penalties look like for going without.

Frozen pipe damage, ice dam claims, and sump pump backup failures are among the most common Wisconsin winter claims — and several are excluded from standard homeowners policies unless you've added specific endorsements. Our Wisconsin winter home guide covers what to check before the season changes.

Yes. We turn around certificates and documentation requests within 12 hours, including weekends. If you're a current client and need a COI for a new contract, email us directly and we'll get it handled.