A 1099 does not decide it. Wisconsin applies a nine-point worker’s compensation test under s. 102.07(8)(b). A contractor, subcontractor, or owner-operator who fails that test can be treated as your statutory employee. Review classification, written agreements, and certificates before the work starts.
FAQ_category: (HIDDEN) Industry FAQs
Yes, if you have employees working in Wisconsin and you are subject to the Act. The policy must come from an insurer licensed to write worker’s compensation in Wisconsin, and Wisconsin must be named as a covered state in section 3-A. A neighboring state’s policy alone does not satisfy the requirement.
No. A BOP commonly combines general liability, commercial property, and business income for eligible businesses. Worker’s compensation, commercial auto, and professional liability are separate purchases. Treat a BOP as a foundation and build the rest around your actual operation.
Usually not. Wisconsin grants broad civil immunity to alcohol providers under s. 125.035. The main exception is serving an underage person when you knew or should have known their age and the alcohol substantially caused injury to a third party. Your carding and training procedures carry real weight.
Wisconsin uses modified comparative negligence. An injured person recovers only if their fault is not greater than yours. But a party found 51 percent or more causally negligent is jointly and severally liable for the entire judgment, including a co-defendant’s share. It is the strongest practical argument for umbrella coverage here.