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State files updated Oct 27, 2026
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Wisconsin contractor license bondInsurance and workers' comp

Either a surety bond of at least $5,000, or liability insurance (see insurance).1 As an alternative to a bond, a general liability policy of at least $250,000 per occurrence, from an insurer authorized or eligible as a surplus lines insurer in Wisconsin.1

Bond and insurance by trade in Wisconsin

TradeBondInsuranceWorkers' comp
General contractorEither a surety bond of at least $5,000, or liability insurance (see insurance).1As an alternative to a bond, a general liability policy of at least $250,000 per occurrence, from an insurer authorized or eligible as a surplus lines insurer in Wisconsin.1A contractor required by Wisconsin law to carry workers' compensation must have a policy from an insurer authorized in the state, or be self-insured, and must also be current on any state unemployment insurance contributions.1

Bond and insurance rules for electrical, plumbing, HVAC and roofing: check with DSPS, WI DSPS.

How much is the contractor bond in Wisconsin?

Either a surety bond of at least $5,000, or liability insurance (see insurance). A bond under $25,000 gets a Restricted certification, and the contractor cannot take any job whose estimated cost is more than the bond.1

Can a Wisconsin contractor be exempt from workers' comp?

A contractor required by Wisconsin law to carry workers' compensation must have a policy from an insurer authorized in the state, or be self-insured, and must also be current on any state unemployment insurance contributions.1

What is a certificate of insurance?

It's the one-page summary (usually an ACORD 25 form) a contractor's agent issues to show the policies, limits and dates in force. How to read and check one

Sources

  1. WI DSPS: bond (docs.legis.wisconsin.gov, 2026-10-27)