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Insurance requirements and costs for trucking in Wisconsin.
Wisconsin follows federal minimums: $750,000 for general freight, $1 million for hazmat. Wisconsin follows a modified comparative fault system (51% bar). Total annual insurance runs $9,500-$16,500. Primary liability averages $7,000-$12,000. Milwaukee County and Dane County (Madison) courts produce moderate verdicts. Workers' comp is required for employers with three or more employees — premiums average $8-$13 per $100 of payroll. Wisconsin's competitive insurance market and moderate legal environment keep costs near the Midwest average.