Wisconsin Small Employer Insurance - Other Sources of Help


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Insurance Coverage for Small Employers < Other Sources of Help

As a convenience, the Office of the Commissioner of Insurance (OCI) offers links to certain Web sites created and maintained by other public and/or private entities. OCI has no control over linked sites and cannot guarantee, or be held responsible for, materials found on any non-OCI site. A link to another Web site does not mean that OCI endorses that site.

Auto
Flood
Health
Homeowner's
Small Business
Worker's Compensation

Auto Insurance

Wisconsin Auto Insurance Plan (WAIP) (http://www.waip.org) (262) 796-4599
If you are unable to find coverage in the private auto insurance market, you can be insured through the Wisconsin Auto Insurance Plan. You can apply through any licensed property and casualty agent.

Address

Wisconsin's Financial Responsibility Law (http://www.dot.state.wi.us) (608) 266-2261
Wisconsin has a financial responsibility law. It is designed to make sure that any motorist licensed to drive in Wisconsin has insurance or enough money to pay for damages to others that may be caused by a motor vehicle.

Mailing Address
Wisconsin Department of Transportation
Hill Farms State Transportation Building
PO Box 7910
Madison, WI 53707-7910

Street Address
Wisconsin Department of Transportation
Hill Farms State Transportation Building
4802 Sheboygan Ave.
Madison, WI 53707-7910
(608) 266-2261 Phone

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Flood Insurance

Federal Emergency Management Agency (FEMA) (http://www.fema.gov)
1-800-621-FEMA (3362)
TTY: 1-800-462-7585 (to use Federal Relay Service)
FEMA's is responsible for leading the effort to prepare the nation for all hazards and to effectively manage federal response and recovery efforts following any national incident. FEMA also initiates proactive mitigation activities, trains first responders, and manages the National Flood Insurance Program and the U.S. Fire Administration.

Address

National Flood Insurance Program (NFIP) (http://www.fema.gov/business/nfip/) 1-888-379-9531 Customer Service
The NFIP makes Federally-backed flood insurance available in communities that agree to adopt and enforce floodplain management ordinances to reduce future flood damage. National Flood Insurance is available in more than 19,000 communities across the United States and it's territories.

Address

WYO Participating Insurance Companies (http://www.fema.gov/business/nfip/wyo)
This list represents some of the private insurance companies that, through an agreement with the Federal Insurance Administration, sell and service federal flood insurance policies. You may also contact your insurance agent or company to find out more about federal flood insurance. The Federal Insurance Administration does not specifically endorse any of the companies listed.

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Health Insurance

BadgerCare Plus (http://www.dhfs.wisconsin.gov/badgercareplus) 1-800-362-3002
BadgerCare Plus is a new program for children under 19 years of age and families in Wisconsin who need and want health insurance. BadgerCare Plus is for all children, regardless of income. BadgerCare Plus is about more than just children. It also offers access to comprehensive, affordable health care to many families and pregnant women in Wisconsin.

1-800-362-3002 Phone

Continuation and Conversion Rights in Insurance
In 1980 the Wisconsin Legislature passed a law relating to continuation and conversion rights in health insurance policies. The federal government passed a law in 1986 that also gives certain individuals the right to continue health care coverage.

Federal COBRA Law (http://www.dol.gov/) 1-866-4-USA-DOL (1-866-487-2365)
For questions on the federal COBRA contact the federal Department of Labor.

Mailing Address

Wisconsin Continuation and Conversion Law (http://oci.wi.gov) 1-800-236-8517 or (608) 266-0103
For questions about the Wisconsin law, contact the Office of the Commissioner of Insurance.

Health Insurance Risk Sharing Plan (HIRSP) (http://www.hirsp.org/) 1-800-828-4777 or (608) 221-4551
The Wisconsin Health Insurance Risk Sharing Plan (HIRSP) offers health insurance to Wisconsin residents who, due to their medical conditions, are unable to find adequate health insurance coverage in the private market.

Mailing Address

The Health Insurance Portability and Accountability Act of 1996 (HIPAA) (http://www.dol.gov/dol/topic/health-plans/portability.htm)
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) protects health insurance coverage for workers and their families when they change or lose their jobs.

If your plan is a fully insured group health plan contact:

If your plan is self-insured contact:

Medical Information Bureau (MIB) (http://www.mib.com/) (866) 692-6901

The MIB is a private company that insurance companies use to share information about insurance applicants.

If you are denied coverage based on medical history, you may want to find out if you have an MIB file and if so, is it correct. If your file contains incorrect information, you have the right to ask the MIB to correct it. You may obtain a copy of your report by calling or writing to:

Address

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Homeowner's Insurance

Wisconsin Insurance Plan (WIP) (http://www.wisinsplan.com) (414) 291-5353
If you are unable to find coverage in the private insurance market, you can be insured through the Wisconsin Insurance Plan (WIP). WIP is property insurance of the last resort. You may apply through any licensed property and casualty agent.

Mailing Address

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Small Business

Department of Commerce (http://www.commerce.state.wi.us/) 608-266-1018
The Wisconsin Department of Commerce is the state's primary agency for delivery of integrated services to businesses.

Mailing Address
PO Box 7970
Madison, WI 53717-7970

Street Address
201 W. Washington Ave.
Madison, WI 53703
(608) 266-1018 Phone

Department of Regulation and Licensing (DRL) (http://www.drl.state.wi.us/) (608) 266-2112
The Wisconsin Department of Regulation and Licensing is responsible for credentialing and regulating various professions in the state of Wisconsin. Regulation of professions is accomplished through appropriate licensing boards as well as directly by the Department.

The Department provides centralized administrative services to 26 regulatory boards, with responsibilities for regulating over 100 professions, occupations and business establishments.

Mailing Address
PO Box 8935
Madison, WI 53708-8935

Street Address
1400 E. Washington Ave., Room 173
Madison, WI 53703
(608) 266-2112 Phone

Department of Financial Institutions (DFI) (http://www.wdfi.org) (608) 261-9555 TTY: (608) 266-8818 For hearing-impaired callers
The Department of Financial Institution's mission is to protect consumers of financial services and ensure the soundness of Wisconsin's financial institutions.

Street Address

Department of Revenue (DOR) (http://www.dor.state.wi.us) (608) 266-2772
The Wisconsin Department of Revenue (DOR) provides information to help your business comply with state tax laws.

Mailing Address
Division of Income, Sales and Excise Tax
PO Box 8933 Mail Stop 6-40
Madison, WI 53708-8933

Street Address
2135 Rimrock Rd.
Madison, WI 53713
(608) 266-2772 Phone
(608) 261-6240 Fax

Small Business Administration (SBA) (http://www.sba.gov/wi/) 1-800-UASK-SBA (1-800-827-5722)
The SBA makes direct business loans and guarantees bank loans to small businesses, as well as making loans to victims of natural disasters, working to get government procurement contracts for small businesses and helping business owners with management and technical assistance and business training.

Madison Address
750 Regent St., Suite 100
Madison, WI 53715
(608) 441-5263 Phone
(608) 441-5541 Fax

Milwaukee Address
310 W. Wisconsin Ave., Room 400
Milwaukee, WI 53203
(414) 297-3941 Phone
(414) 297-1377 Fax

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Worker's Compensation Insurance

Companies Licensed to sell Worker's Compensation Insurance in Wisconsin (http://oci.wi.gov/workcomp/wcliccos.htm)
There are about 300 insurance companies licensed to write worker's compensation insurance in Wisconsin. In Wisconsin, all companies writing worker's compensation insurance must be members of the Wisconsin Compensation Rating Bureau (WCRB).

Company Lookup (https://ociaccess.oci.wi.gov/CmpInfo/CmpInfo.oci)
The Company Lookup is a search page that helps locate companies, fraternal benefit societies, associations, town mutual insurers, or rate service organizations licensed or otherwise authorized to transact the business of insurance in Wisconsin. The lookup page also includes company addresses and telephone numbers.

Wisconsin Worker's Compensation Division (http://www.dwd.state.wi.us/wc/default.htm) (608) 266-1340
The Worker's Compensation Division is a division of the State of Wisconsin, Department of Workforce Development. The Worker's Compensation Division is responsible for the administration of the Worker's Compensation Act of Wisconsin, Chapter 102 with respect to enforcement, payment of claims, violations, compliance and enforcement of insurance requirements and other related duties.

Madison
Mailing Address
Worker's Compensation Division
PO Box 7901
Madison, WI 53707-7901

Street Address
201 E. Washington Ave., Room C 100
Madison, WI 53703
(608) 266-1340 Phone
(608) 267-0394 Fax

Milwaukee

Appleton

Wisconsin Compensation Rating Bureau (WCRB) (https://www.wcrb.org/WCRB/wcrbhome.htm) (262) 796-4540
The Wisconsin Compensation Rating Bureau is a licensed rate service organization for worker's compensation insurance in Wisconsin. The WCRB is responsible for the classification of employers, the rates and rating plans used, all policy forms and analysis of all statistical and other data needed to meet its responsibilities.

Mailing Address
PO Box 3080
Milwaukee, WI 53201-3080

Street Address
20700 Swenson Dr., Suite 100
Waukesha, WI 53186
(262) 796-4540 Phone
(262) 796-4400 Fax

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Updated: June 19, 2008

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