Monika Hartl
Call Us Now: (262) 204-8331

Milwaukee Worker’s Compensation – When Is Your Employee Required To Have Insurance

As an employee, you may wonder when your employee is required to carry worker’s compensation insurance. It is important to know in Milwaukee, worker’s compensation is considered universal coverage, meaning nearly everyone is covered.

According to the State of Wisconsin’s Department of Workforce Development, employers must carry Milwaukee worker’s compensation insurance, as well as worker’s compensation across the state to cover nearly every employee. This includes

  • State and municipality employees; county, city, town, village, school district, sewer district, drainage district and other public or semi-public corporations.
  • Persons, except farmers, who usually employ three or more employees in one or more trades, businesses, professions or occupations in one or more locations.
  • All people, except farmers, who usually employ fewer than three employees in one or more trades, businesses, professions or occupations in one or more locations.
  • Any farmer employing six or more employees on 20 or more days in any calendar year, effective 10 days after the 20th day of employment.
  • Anyone who purchases a worker’s compensation insurance policy.

Because universal coverage truly refers to everyone, even out-of-state employers with employees working within Wisconsin must have a worker’s compensation policy with an insurance company who is licensed to write worker’s compensation insurance within the state. Any out-of-state employer who has coverage with an insurance company not licensed within the state must obtain a policy with a company licensed to issues policies within Wisconsin.

Large companies who have the resources to pay claims internally are not required to carry a separate policy. These companies have been granted permission to be self-insured.

If you have suffered a serious personal injury at work or due to work, it is crucial to speak with an attorney who is experienced with Milwaukee worker’s compensation law. Call today for your free, initial consultation.

Contact Us

Wisconsin Workers
Compensation Law Offices

P.O. Box 106
Cedarburg, WI 53012

Telephone: 262-204-8331
FAX: 262-204-8332