There are special provisions in Wisconsin law covering independent contractors and workers' compensation insurance. An independent contractor, subcontractor or owner/operator may actually be a statutory employee of the employer for whom he or she is working unless they meet the nine-point test under s.102.07(8)(b) of the Wisconsin statutes, according to a Wisconsin Division of Workers' Compensation brochure.
An independent contractor, subcontractor or owner/operator who employs others must provide insurance for his or her employees. The independent contractor/employer must obtain insurance in his or her personal or trade name. No employer may elect to be under the insurance coverage of another employer or contractor.
Independent contractors who do not have employees or who are not required to be insured may choose to purchase insurance for self-coverage. The policy must be endorsed to name the sole proprietor or partners for them to be covered. Employers and independent contractors may purchase insurance without personal benefit coverage.
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