Contractor Insurance Requirements in Wisconsin: 2026 Update

Frequently Asked Questions

What insurance is required for contractors in Wisconsin?

Wisconsin requires contractors with three or more employees to carry workers compensation insurance. Most projects and general contractors also require general liability insurance and commercial auto coverage.

Do subcontractors need their own insurance in Wisconsin?

Yes. General contractors typically require subcontractors to carry their own general liability and workers compensation insurance. Without it, the GC's policy may be charged for uninsured subcontractors.

What is a certificate of insurance (COI)?

A COI is a document issued by your insurance company proving you have active coverage. General contractors, property owners, and municipalities often require COIs before allowing you to start work.

What does additional insured mean on a contractor policy?

When you add someone as an additional insured on your policy, they receive liability protection under your coverage for claims arising from your work. General contractors often require subcontractors to add them as additional insured.

How often do I need to update my contractor insurance?

Review your insurance annually and whenever you add employees, expand into new trades, increase your revenue significantly, or take on larger projects. Your coverage should grow with your business.