Workers’ Compensation Insurance – Protecting Your Employees and Business

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Coverage That Cares For Injured Workers

Work injuries happen—lifting strains, slips on winter ice, equipment accidents. Workers compensation insurance Wisconsin helps pay medical bills and a portion of lost wages for covered injuries or occupational illnesses, while providing employers liability protection. Head Insurance Agency supports shops, contractors, and offices from Sherwood to Appleton with policies aligned to state requirements.

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What Workers’ Comp Covers

Medical treatment, rehab, disability benefits, and death benefits for dependents are core parts of coverage. Employers liability responds to certain lawsuits outside the exclusive remedy. We’ll map your classifications, payrolls, and staffing to place accurate coverage and help you prepare for audits.

Cost, Safety, And Compliance

Premiums reflect payroll and job class—roofers rate differently than office staff. Safety programs, return-to-work planning, and claims management can influence your experience over time. For added liability capacity, consider a commercial umbrella that can extend over employers liability when eligible, and coordinate WC with your Business Insurance program for certificates and contracts.

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Wisconsin Workers’ Comp Questions, Answered

  • Is workers’ comp mandatory?

    Most employers must carry it once they meet state thresholds; we’ll confirm your status.

  • Are owners required to be covered?

    Owners can often opt out; employees still need coverage.

  • How can I lower premiums?

    Improve safety, report claims promptly, and keep job classifications accurate—we’ll help with insurer programs and market comparisons.