General Contractor Insurance in Wisconsin

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Do contractors need insurance in Wisconsin?

One of the largest industries in The Badger State’s is construction. There are over 39,678 sole proprietors working in the industry.

Construction sites are hazardous workplaces. A simple accident could create costly liability issues for your small companies, regardless of whether you work on residential or commercial projects. Insurance for contractors for Wisconsin companies helps to prevent accidents, unexpected delays, or other common issues from destroying the hard work you’ve put into it.

Contractor insurance is a variety of kinds of insurance which a general contractor might take into consideration.

  • General Liability
  • Business Owner’s Policy
  • Workers’ Compensation

BizInsure can arrange contractor insurance coverage in Wisconsin suitable for your business.

Who may need contractor insurance in Wisconsin?

A lot of companies have insurance policies in place to protect their businesses and personal finances. General Liability, and other insurance policies can be an essential safety net for your business.

Certain kinds of insurance might be required for specific customers (and this is usually stipulated in contracts for business).

Click on your occupation to find out more about your insurance options. It is also possible to get started on with a customized quote.

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What types of insurance do contractors commonly consider in Wisconsin?

Wisconsin contractors often take a look at various kinds of insurance. These policies may assist you in coping with common risks general contractors encounter on the job.

General Liability Insurance

Anything could occur on the construction site. An innocent action–like placing your toolbox in the wrong spot–can cause a huge problem for your company if someone is hurt because of what you’ve done.

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, General Liability insurance can protect your business against bodily injury or property damage lawsuits from outside parties. General Liability insurance for Wisconsin contractors protects your bank accounts by covering your legal costs when someone claims that your conduct caused them harm or caused damage to their property. The insurance typically pays medical bills as well as repairs and replacement expenses.

Business Owner’s Policy

If you’re working in the construction industry, things don’t always run smoothly. Incomplete projects, broken instruments and other problems can make it difficult to meet your deadlines.

A Business Owner’s Policy (BOP) is a convenient package of insurance that protects your business against the common risks it faces every day. The BOP product includes various coverages that may suit the unique requirements of your small business. Insurance included in a BOP can vary but usually they include protection for typical small business risks such as property damage, business interruption and liability.

You can tailor your BOP to include coverage options that are tailored to your company’s needs. It can be a practical and affordable way to shield yourself from the many dangers that general contractors are exposed to.

Workers’ Compensation Insurance

If your business relies on your employees, you need to make sure they are safe and healthy while at work.

Workers’ Compensation insurance protects your company and its employees. If any of your employees get injured at work or are ill, this type of insurance will cover their medical bills. It will also cover some of their lost income if they’re unable to work because of the injury, as well as rehabilitation or physical therapy to transition the employee back into the workplace.

In Wisconsin, with limited exceptions, Workers’ Comp coverage is mandatory for businesses with three or more employees.

What does contractor’s insurance cover in Wisconsin?

Contractor’s insurance can protect your business and you from a wide range of risks. Depending on the types of insurance you choose, you may be protected for situations such as:

  • Coverage for Third-Party Injury and Property Damage Claim (General Liability)
  • Unexpected Business Interruptions (Business Owner’s Policy)
  • Equipment breakdown (BOP)
  • Employee workplace accidents and illness (Workers’ Compensation)

How much does contractor’s insurance cost in WI?

The cost of business insurance differs because insurance companies consider a variety of aspects when determining the cost for each company. The cost of insurance for your business could be influenced by:

  • What type of insurance do you need?
  • The size of your business (annual revenues).
  • The total number of people who are covered under the insurance policy
  • Your claim your history
  • Select the coverage level you want

How to get insurance for general contractors in Wisconsin?

BizInsure provides a straightforward way to insure your business that contracts.

In just 10 minutes you can review quotes and discover coverage that fits your budget, needs, and budget. When policy documents are delivered straight to your email, you’ll be covered immediately.

Compare multiple quotes today and find the top-rated coverage for your Wisconsin general contractor company.

* This information is a general guide only and does not take into account your objectives, financial situation or needs. Always check with your local licensing board when getting or renewing your [profession] license to ensure you are meeting their current licensing requirements.
As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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