Contractor Insurance
in Wisconsin
Affordable, Trade-Ready Insurance for Wisconsin Contractors
Whether you’re roofing in Milwaukee or remodeling kitchens in Green Bay, Wisconsin contractors need insurance that covers both jobsite risks and state requirements. From cold-weather construction hazards to local licensing rules, it’s critical to have the right protection in place before you build.
At Affordable Contractors Insurance (ACI), we help Wisconsin contractors get fast, affordable, and fully compliant coverage tailored to your business. With low down payments and same-day certificates, you’ll be ready to take on any project.
Why Contractors in Wisconsin Choose ACI
Wisconsin-Specific Expertise
We understand state licensing rules and industry regulations
Same-Day Certificates
Get insured fast so you don’t miss out on jobs
Low Down Payment Options
Start coverage with as little as 20% down
Bundled Policy Discounts
Save up to 25% when combining coverages
Customized Coverage
Policies built around your trade, team size, and tools
Insurance Coverage We Offer in Wisconsin
We offer essential coverage options designed for general contractors, subcontractors, and trade professionals:
- General Liability Insurance
Covers third-party injuries, property damage, and legal claims—often required for licensing and job contracts.
- Workers’ Compensation Insurance
Covers employee injuries and lost wages. Required in Wisconsin if you have employees, even part-time or family members.
- Commercial Auto Insurance
Covers work vehicles—trucks, vans, trailers—against accidents, liability, and theft. Required for business-use vehicles.
- Tools & Equipment Insurance
Protects your gear and equipment from theft, loss, or jobsite damage.
- Builder’s Risk Insurance
Covers properties under construction and onsite materials from fire, vandalism, and weather damage.
- Professional Liability Insurance
Protects against professional mistakes like design errors, delays, or project disputes that cause financial loss.
Who We Cover in Wisconsin
ACI works with contractors across Wisconsin’s cities, suburbs, and rural communities—including:
- General Contractors
- Roofers
- Electricians
- Plumbers
- HVAC Contractors
From solo trades to growing crews, ACI builds coverage around your business.
How Much Does Contractor Insurance Cost in Wisconsin?
Your rate depends on several key business factors. Here’s what typically affects your premium:
Cost Factors
- Type of Work
Riskier trades like roofing or excavation usually cost more than painting or flooring.
- Business Size
Larger crews and higher payroll increase your premium.
- Coverage Limits
More protection equals higher premiums—but fewer out-of-pocket losses.
- Claims History
A clean record can lead to lower rates.
- Location & Risk Profile
Urban vs. rural, winter weather, and local crime rates may affect your cost.
Get a fast, custom quote based on your trade, risk level, and coverage needs.
Wisconsin Contractor Insurance Requirements
Here are the most common insurance rules for contractors working in Wisconsin:
General Liability Insurance
Many trades must carry liability insurance to maintain licenses or secure commercial projects.
Workers’ Compensation Insurance
Wisconsin law requires workers’ compensation insurance if your business employs even one person—including part-time or family workers.
Commercial Auto Insurance
Vehicles used for business must be insured under a commercial policy—not a personal one.
Coverage requirements vary by trade and city—ACI can help you stay compliant.
Get a Free Contractor Insurance Quote
in Wisconsin
Get covered fast with ACI. We’ll help you choose the right policy—at the right price—so you can stay focused on the job.