Business Details
Trusted Property Insurance Solutions in Wisconsin
The Wisconsin Insurance Plan operates as Wisconsin's FAIR Plan, providing essential property insurance solutions for applicants rejected by standard market insurers. Established to address coverage gaps, we specialize in homeowners, dwelling, and commercial insurance policies tailored for properties facing environmental hazards or unique risk factors. Our underwriting standards balance accessibility with responsible risk management, ensuring coverage remains available for properties that meet basic maintenance criteria. With decades of service, we prioritize affordability while maintaining rigorous claims processing standards and public education initiatives. Our team works closely with licensed producers to streamline applications and ensure compliance with Wisconsin Administrative Code regulations.Through partnerships with local communities, we support urban revitalization efforts and implement programs to reduce insurance fraud and arson incidents. Our commitment to transparency is reflected in clear fee structures for online payments and detailed policy documentation. As a state-mandated residual insurer, we maintain strict adherence to regulatory frameworks while continuously improving digital tools for policyholder convenience. Our office relocation in 2023 demonstrates ongoing investment in operational efficiency, and our claims department guarantees response times within 48 hours of initial notice. Through consistent policyholder communication and producer training programs, we maintain Wisconsin's insurance market stability for high-risk properties.
Services
Homeowners Insurance
Dwelling Insurance
Commercial Insurance
Policy Renewals
Claims Processing
Highlights and features
- We serve as Wisconsin's official FAIR Plan residual insurer
- We offer three specialized policy lines for high-risk properties
- Our claims department responds within 48 hours of notice submission
- We maintain strict compliance with Wisconsin Administrative Code regulations
- We provide transparent online payment processing with clear fee disclosure
Services
Homeowners Insurance
Our homeowners insurance provides comprehensive protection for primary residences rejected by standard insurers. This coverage includes dwelling protection, personal property coverage, and liability protection for Wisconsin residents facing environmental hazards. Policies adhere to state-mandated underwriting standards while maintaining affordability for high-risk properties.
Dwelling Insurance
Dwelling insurance policies cover physical structures of homes not qualifying for standard market coverage. This includes protection against fire, vandalism, and weather-related damage for properties meeting minimum maintenance requirements. Our program specifically addresses coverage needs for older homes and properties in high-risk areas across Wisconsin.
Commercial Insurance
Commercial insurance solutions protect businesses denied standard market coverage due to unique risk factors. Policies cover commercial properties, liability protection, and business interruption insurance for Wisconsin enterprises. Our underwriting considers industry-specific risks while maintaining accessibility for small businesses in challenging markets.
Claims Processing
Our claims department manages property loss claims with initial response within 48 hours of submission. The process includes damage assessment, documentation verification, and timely resolution for policyholders across Wisconsin. We maintain dedicated claims lines and digital submission tools for efficient service delivery.
Policy Renewals
Policy renewal services ensure continued coverage for qualifying properties through annual underwriting review. This process maintains compliance with state regulations while assessing ongoing eligibility based on property condition and claims history. Renewal policies maintain consistent coverage terms with updated premium calculations.
People
Kate Collins
Plan Manager
Kate Collins leads Wisconsin Insurance Plan's operations with extensive experience in residual insurance markets. She oversees policy implementation, regulatory compliance, and strategic planning for Wisconsin's FAIR Plan program.
Matt
Underwriting Contact
Matt manages underwriting operations for Wisconsin Insurance Plan, ensuring proper risk assessment and policy issuance standards. He works with producers to maintain compliance with Wisconsin Administrative Code regulations.
Karen
Insurance Professional
Karen provides specialized insurance expertise for Wisconsin Insurance Plan's high-risk coverage programs. She supports policyholders and producers with technical knowledge about FAIR Plan underwriting requirements.
Eric Morscher
Commission Specialist
Eric handles commission inquiries for Wisconsin Insurance Plan's producer network. He manages payment processing and resolves commission-related questions for licensed insurance agents working with the FAIR Plan.
Questions
What types of insurance does Wisconsin Insurance Plan offer?
We provide homeowners, dwelling, and commercial property insurance for applicants rejected by standard market insurers in Wisconsin.
Who qualifies for coverage through Wisconsin Insurance Plan?
Applicants who have been denied standard market coverage or had existing policies canceled may qualify if their properties meet minimum maintenance standards.
How do I apply for Wisconsin Insurance Plan coverage?
Licensed insurance producers must submit complete applications with rejection documentation through our official online system for underwriting review.
What payment methods are accepted for premiums?
We accept credit card, debit card, and bank transfers with additional processing fees ranging from $2.49 to $6.48 depending on payment type.
How quickly are claims processed?
Our claims department responds to initial notices within 48 hours and works directly with policyholders to complete damage assessments and resolve claims efficiently.
Can I get a quote before applying?
Producers can generate quick quotes through our system, but formal quotes require complete applications and underwriting approval before issuance.
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