--- title: "Builders Risk Insurance in Wisconsin" description: "Wisconsin DNR screens wetlands, waterways, endangered resources, and historic sites before stormwater coverage, and wetland fill or grading may need a separate DNR permit." canonical: "https://spot.insure/coverage/builders-risk/wisconsin" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/builders-risk/wisconsin) # Builders Risk Insurance in Wisconsin Wisconsin DNR reviews construction stormwater submittals for wetlands and waterways, endangered or threatened resources, and registered historical or archaeological sites; it warns that unresolved reviews can delay coverage. A separate waterway FAQ says wetland fill, excavation, grading, or mechanized clearing typically needs a DNR permit, with limited exemptions. For a site where temporary access, fill, or a laydown pad touches wetland, move that review ahead of the delivery schedule and describe the full footprint to the broker.[^1][^2] **Coverage:** [Builders risk](/coverage/builders-risk) · [Wisconsin](/coverage/states/wisconsin) ## What Is Builders Risk? Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. [Read the national Builders risk guide](/coverage/builders-risk). ## What to Watch for in Wisconsin ### Pre-coverage resource review can hold up mobilization Wisconsin DNR reviews construction submissions for wetlands, waterways, endangered or threatened resources, and registered historic or archaeological sites before conferring stormwater permit coverage. The agency says early screening can streamline review and otherwise delays can occur.[^1] ### Temporary fill or grading in a wetland is not a routine laydown choice DNR says a permit is typically required before placing fill, excavating, grading, or mechanized land clearing in wetlands. An exemption may apply if the wetland is determined to be artificial or nonfederal; local shoreland or floodplain rules may also control fill.[^2] ### Wetland exemptions have technical limits The FAQ describes a nonfederal-wetland exemption only after a U.S. Army Corps jurisdictional determination, with limits for high-quality wetlands and acreage (under one acre urban or under three acres rural). Do not base a staging plan on a presumed exemption.[^2] ## Who Regulates Insurance in Wisconsin **Wisconsin Office of the Commissioner of Insurance.** The Wisconsin Office of the Commissioner of Insurance administers Wisconsin insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals.[^3][^4][^5] - [Regulator website](https://oci.wi.gov/) - [License lookup](https://nipr.com/licensing-center) - [File a complaint](https://content.naic.org/state-insurance-departments) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of premium The NAIC's state chart lists a 3% of premium charge for surplus-lines coverage for Wisconsin (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement.[^6][^7] ## Providers With Documented State Licenses No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. [Check the regulator’s license lookup](https://nipr.com/licensing-center) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in Wisconsin 1. Has the site plan shown temporary roads, soil piles, access mats, and materials staging against mapped wetlands and waterways? 2. Does the schedule allow for Wisconsin DNR resource reviews and any separate wetland permit before mobilization? 3. Does the quote identify materials at the site and at supplier or contractor storage, and ask separately about site cleanup after a water or soil event? ## Builders Risk in Wisconsin: FAQ ### Can Wisconsin require a permit for construction-related work in wetlands? DNR says a permit is typically required before wetland fill, excavation, grading, or mechanized clearing, although exemptions can apply to artificial or nonfederal wetlands. Local shoreland or floodplain rules may also regulate fill.[^2] ### Can Wisconsin’s construction stormwater review affect a project schedule? DNR reviews for wetland, waterway, endangered-resource, and historic-resource issues before conferring coverage and says unresolved special reviews can cause delays. Build the actual review path into the mobilization and materials schedule.[^1] ## Builders Risk in Other States - [Alabama](/coverage/builders-risk/alabama) - [Alaska](/coverage/builders-risk/alaska) - [Arizona](/coverage/builders-risk/arizona) - [Arkansas](/coverage/builders-risk/arkansas) - [California](/coverage/builders-risk/california) - [Colorado](/coverage/builders-risk/colorado) - [Connecticut](/coverage/builders-risk/connecticut) - [Delaware](/coverage/builders-risk/delaware) - [District of Columbia](/coverage/builders-risk/district-of-columbia) - [Florida](/coverage/builders-risk/florida) - [Georgia](/coverage/builders-risk/georgia) - [Hawaii](/coverage/builders-risk/hawaii) - [Idaho](/coverage/builders-risk/idaho) - [Illinois](/coverage/builders-risk/illinois) - [Indiana](/coverage/builders-risk/indiana) - [Iowa](/coverage/builders-risk/iowa) - [Kansas](/coverage/builders-risk/kansas) - [Kentucky](/coverage/builders-risk/kentucky) - [Louisiana](/coverage/builders-risk/louisiana) - [Maine](/coverage/builders-risk/maine) - [Maryland](/coverage/builders-risk/maryland) - [Michigan](/coverage/builders-risk/michigan) - [Minnesota](/coverage/builders-risk/minnesota) - [Mississippi](/coverage/builders-risk/mississippi) - [Missouri](/coverage/builders-risk/missouri) - [Montana](/coverage/builders-risk/montana) - [Nebraska](/coverage/builders-risk/nebraska) - [Nevada](/coverage/builders-risk/nevada) - [New Hampshire](/coverage/builders-risk/new-hampshire) - [New Jersey](/coverage/builders-risk/new-jersey) - [New Mexico](/coverage/builders-risk/new-mexico) - [New York](/coverage/builders-risk/new-york) - [North Carolina](/coverage/builders-risk/north-carolina) - [North Dakota](/coverage/builders-risk/north-dakota) - [Ohio](/coverage/builders-risk/ohio) - [Oklahoma](/coverage/builders-risk/oklahoma) - [Oregon](/coverage/builders-risk/oregon) - [Pennsylvania](/coverage/builders-risk/pennsylvania) - [Rhode Island](/coverage/builders-risk/rhode-island) - [South Carolina](/coverage/builders-risk/south-carolina) - [South Dakota](/coverage/builders-risk/south-dakota) - [Tennessee](/coverage/builders-risk/tennessee) - [Texas](/coverage/builders-risk/texas) - [Utah](/coverage/builders-risk/utah) - [Vermont](/coverage/builders-risk/vermont) - [Virginia](/coverage/builders-risk/virginia) - [Washington](/coverage/builders-risk/washington) - [West Virginia](/coverage/builders-risk/west-virginia) - [Wyoming](/coverage/builders-risk/wyoming) [Other Coverage in Wisconsin](/coverage/states/wisconsin) ## Sources [^1]: [Construction site storm water permit overview](https://dnr.wisconsin.gov/topic/Stormwater/construction/overview.html) — Wisconsin Department of Natural Resources; Special resource reviews and pre-coverage delay warning, lines 44–63; accessed current 2026-09-28. Accessed 2026-09-28. [^2]: [Waterway Permit Frequently Asked Questions](https://dnr.wisconsin.gov/topic/Waterways/permitFAQ) — Wisconsin Department of Natural Resources; Wetland fill, excavation, grading and clearing; local rules and nonfederal/artificial exemptions, lines 513–534; accessed current 2026-09-28. Accessed 2026-09-28. [^3]: [Wisconsin Office of the Commissioner of Insurance](https://oci.wi.gov/) — Wisconsin Office of the Commissioner of Insurance; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28. [^4]: [Insurance Department Directory](https://content.naic.org/sites/default/files/publication-ins-ou-insurance-directory.pdf) — National Association of Insurance Commissioners; Wisconsin Office of the Commissioner of Insurance entry; official contact and website listing. Accessed 2026-09-28. [^5]: [Licensing Center](https://nipr.com/licensing-center) — National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28. [^6]: [Surplus Lines Insurance Premium Taxes](https://content.naic.org/sites/default/files/model-law-chart-zz-7-surplus-lines-insurance-premium-taxes.pdf) — National Association of Insurance Commissioners; WI row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28. [^7]: [Guaranty Associations & Funds](https://content.naic.org/cipr-topics/guaranty-associationsfunds) — National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28. [^8]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^9]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^10]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^11]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^12]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^13]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^14]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/builders-risk/wisconsin.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)