Workers' Compensation Insurance

Commercial Insurance Coverage

Manage workplace injuries with the right coverage

If you have three or more employees, or pay wages of more than $500 in any quarter of the year, Wisconsin law requires that you carry Worker’s Compensation insurance.

Almost all employees in Wisconsin are covered by the state’s Workers’ Compensation Act, including family members. Carrying a policy is not only the law for employers, it makes good business sense. A recent report by the National Safety Council states that the average worker’s compensation claim is more than $36,000. For many small to medium size businesses, paying that sum out of pocket would be a challenge.

With a Rural Mutual Insurance Workers’ Compensation policy, an employee who is injured at work receives payment for medical expenses, any necessary rehabilitation and partial payment of lost wages. In exchange, employees and their family give up all rights to sue you for the injuries. Our Workers’ Compensation insurance also incorporates Employers Liability protection. This covers your liability for any work-related injury that is not specified in the state’s Workers’ Compensation Act.

“My Rural Mutual agent has helped me and my employees manage claims and treatments without any hassles – ever – for years. That goes a long way to making things right when someone is injured.”

– Mike D.

Rural Mutual Nurse Hotline

24/7 access to a nurse to help your employees get the right care at the right time

An added benefit of obtaining your Workers’ Compensation coverage through Rural Mutual is that we provide a 24/7 nurse hotline that helps reduce the number of emergency room or urgent care claims filed, while still providing expert medical advice for employees. If it’s more than a Band-Aid® and less than a 911 call, we ask that you call the Rural Mutual Nurse Hotline: 1-(844)-334-6477

Rural Mutual Insurance has partnered with Medcor, a health decision-making and injury assessment service. One valuable component of our service is the Rural Mutual Nurse Hotline used to immediately report a workers comp claim. This critical service is provided to you at no cost.

What you need to know about Workers' Compensation

Rural Mutual Insurance offers workers’ compensation for both Business and Farm & Agricultural exposures.

Think Workers Compensation insurance doesn’t apply to you? Did you know most insurance policies exclude the “treatment, services and supplies for any injuries and illnesses covered by Workers’ Compensation?”

A good workplace safety training program for new employees, and regular “refresher” sessions for all employees will help prevent or reduce the number of work-related injuries. This in turn may lower your Worker’s Compensation insurance rates. Your local Rural Mutual agent can help you find the resources you need to develop such a program.


This information is intended to highlight the features of our insurance programs. For a detailed description of exact coverages, limitations, conditions and exclusions please refer to the policy itself and any endorsements.

For Employees

Covers employees who have sustained injuries or illnesses related to employment, including:

  • Coverage for all reasonable and necessary medical costs
  • Payments for temporary loss of wages
  • Payments for permanent loss of earning capacity

For Employers

Restricts injured employees or their family members from suing the employer due to injuries sustained at work. Our policy also incorporates employer’s liability insurance to cover work-related injuries not covered under Workers’ Compensation.

Dividend plans

Depending upon certain conditions, your business may be eligible for flat or variable dividend plans. Eligibility requirements include review of:

  • Premium threshold
  • Three-year loss ratio
  • Exposure severity
  • Experience modification factor
  • Active safety program participation
  • Verification of premium and loss report from prior carrier, if required

Workers’ Compensation claim service

Our claims adjusters are highly experienced in managing the claims process, keeping you well-informed throughout the process. Typically, they save you about 26 percent in medical costs by carefully:

  • Investigating claims for coverage
  • Determining compensability
  • Effectively managing the disability and medical treatment