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WORKERS' COMP · WISCONSIN

Workers' comp in Wisconsin.

Wisconsin requires workers' comp from 3 employees, or fewer above a quarterly payroll test. Wisconsin's own rating bureau publishes its own manual; most numbers match NCCI's. You buy coverage from carriers.

REQUIRED
From 3 employees, or fewer above a quarterly payroll test
RATING BUREAU
WCRB
CLASS CODES
Own manual, mostly NCCI numbers
BUY FROM
Carriers
WHO MUST CARRY IT

Required from 3 employees, or fewer above a quarterly payroll test.

The rule

Wisconsin requires workers' comp from 3 employees. It also applies with fewer than 3 employees paid $500 or more combined in any calendar quarter for work in Wisconsin (covered from the 10th day of the next quarter). Only employees in Wisconsin count toward it.

Source: Wisconsin DWD, Worker's Compensation Employer Resources, checked October 5, 2026.

Coverage rules: Wisconsin DWD, Worker's Compensation Employer Resources, checked October 5, 2026.

CLASS CODES HERE

Wisconsin's own rating bureau publishes its own manual; most numbers match NCCI's.

Rating bureau

Wisconsin has its own rating bureau, the Wisconsin Compensation Rating Bureau (WCRB).

Wisconsin Compensation Rating Bureau (WCRB)

Class system

Its own manual; most codes on our pages are in it under NCCI's numbers.

Manual: Wisconsin Basic Manual

Codes on our pages

Most codes on our pages are in Wisconsin's list; the exceptions are below.

All class codes, by industry

In Wisconsin's list

List: WCRB, Wisconsin Table of Classifications by Hazard Group, effective October 1, 2025, read from an archived copy dated January 24, 2026.

ESTIMATE YOUR PREMIUM

Your payroll, your rate, before discounts and assessments.

Your rate comes from carriers that actively write the class.

Payroll in this class
Codes on our pages that are in Wisconsin's list. An advisor confirms your class codes.
Gross pay for the work in this class. Pre-tax deductions (401(k), Section 125) count. Overtime premium (the extra half) usually does not. Check your state's rules.
For the cost per employee.
PAY FREQUENCY
Your rating
From your quote or policy. Where loss costs are filed instead of rates, as in Texas, they leave out the carrier's expenses and are lower than your rate.
Compares your payroll and claims with the average employer in the same class codes. At 1.00 premium is unchanged; below 1.00 it drops, above 1.00 it rises.
SCHEDULE RATING
0 if your quote shows none.
If your quote shows one.
ESTIMATED ANNUAL PREMIUM · THIS CLASS
Enter your rate
Before discounts and assessments.

Worklio Insurance bills pay-as-you-go comp with each payroll, no deposit; the audit usually confirms what you've already paid.

Not included: premium discount on larger policies, state assessments, terrorism and catastrophe charges, minimum premium.Get a real quote

COMMON QUESTIONS

Do I need workers' comp in Wisconsin?
Yes. Wisconsin requires workers' comp from 3 employees. It also applies with fewer than 3 employees paid $500 or more combined in any calendar quarter for work in Wisconsin (covered from the 10th day of the next quarter). Only employees in Wisconsin count toward it.
Who sets class codes in Wisconsin?
Wisconsin's own rating bureau, the Wisconsin Compensation Rating Bureau (WCRB). Its own manual; most codes on our pages are in it under NCCI's numbers. An advisor confirms your class codes.
Is Worklio Insurance licensed in Wisconsin?
Worklio Insurance Services LLC's producer is licensed in Wisconsin, and the agency license there has been applied for. See insurance licenses

SOURCES

Figures as of January 24, 2026.

For planning, not a quote or a classification ruling. An advisor confirms your class codes with your carrier.

MORE ON WORKERS' COMP

ALL STATESWorkers' comp by stateWho must carry it, who sets class codes and where to buy, in each state.ALL CLASS CODESEvery code, by industryOffice, sales and the codes for each industry we serve.COVERAGEWorkers' compPay-as-you-go premiums billed with each payrollWORKLIO HCMPayroll taxes in WisconsinEmployer payroll tax rates, on Worklio HCM.

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