Wis. Stat. » CHAPTER 631 — INSURANCE CONTRACTS GENERALLY
Wisconsin Statutes

Wis. Stat. § 631.01 (2026)

Application of statutes

✓ current as of July 2026
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631.01631.01 Application of statutes.
631.01(1)(1) General. This chapter and ch. 632 apply to all insurance policies and group certificates delivered or issued for delivery in this state, on property ordinarily located in this state, on persons residing in this state when the policy or group certificate is issued, or on business operations in this state, except:
631.01(1)(a)(a) As provided in ss. 600.01 and 618.42;
631.01(1)(b)(b) On business operations in this state if the contract is negotiated outside this state and if the operations in this state are incidental or subordinate to operations outside this state, unless the contract is for a policy of insurance to cover a warranty, as defined in s. 100.205 (1) (g), in which case the provisions set forth in sub. (4m) apply; and
631.01(1)(c)(c) As otherwise provided in the statutes.
631.01(2)(2) Reinsurance. Sections 631.05, 631.15 (1), 631.41, 631.45 and 631.81 apply to contracts used in reinsurance; the commissioner may specify by rule that reinsurance contracts are subject to other provisions of this chapter and ch. 632 upon a finding that the interests of Wisconsin insureds, of ceding insurers domiciled in this state or of the public in this state so require.
631.01(3)(3) Ocean marine insurance. Sections 631.03 to 631.09, 631.15 (1) and (4), 631.20 (1), 631.27, 631.41 to 631.51, 631.64 to 631.81 and 631.85 apply to ocean marine insurance; the commissioner may specify by rule that ocean marine contracts are subject to other provisions of this chapter upon a finding that the interests of Wisconsin insureds or creditors or of the public in this state so require.
631.01(4)(4) Annuities and group policies for eleemosynary institutions. This chapter and ch. 632 do not apply to annuities or group policies that are provided on a basis as uniform nationally as state statutes permit to educational, scientific research, religious or charitable institutions organized without profit to any person, for the benefit of employees of such institutions. The commissioner may by order subject such contracts issued by a particular insurer to this chapter or ch. 632 or any portion of those provisions upon a finding, after a hearing, that the interests of Wisconsin insureds or creditors or the public of this state so require.
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631.01(4m)(4m) Rustproofing warranties insurance. An insurer issuing a policy of insurance to cover a warranty, as defined in s. 100.205 (1) (g), shall comply with s. 632.18 and the policy shall be on a form approved by the commissioner under s. 631.20.
631.01(5)(5) Other exceptions. The commissioner may by rule exempt any class of insurance contract or insurer from any or all of the provisions of this chapter and ch. 632 if the interests of Wisconsin insureds or creditors or of the public of this state do not require such regulation.
631.01 HistoryHistory: 1975 c. 375, 421; 1985 a. 29; 1987 a. 247; 1991 a. 250; 1995 a. 242; 1997 a. 27; 2007 a. 168; 2011 a. 224.
631.01 AnnotationA stop-loss policy that provided that, in case of a catastrophic medical case, the employer would only be responsible for paying covered medical costs on an individual case up to the stop-loss amount with the insurer paying the costs above that amount, was not a contract of reinsurance exempt from this section. Edstrom Industries, Inc. v. Companion Life Insurance Co., 516 F.3d 546 (2008).
Notes of Decisions
Cited in 23 cases (5 in the last 5 years), 1978–2025 · leading case: Casper v. Am. Int'l South Ins., 2011 WI 81 (Wis. 2011).
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Casper v. Am. Int'l South Ins., 2011 WI 81 (Wis. 2011). · cites it 29× “" In this review, the Caspers contend that a plain reading of Wis. Stat. § 631.01 (1), together with Wis.”
Kenison v. Wellington Ins., 582 N.W.2d 69 (Wis. Ct. App. 1998). · cites it 39× “24 was inapplicable by virtue of § 631.01, Stats., 3 since it neither delivered nor issued *704 for delivery a policy of insurance in Wisconsin.”
Casper v. Am. Int'l South Ins., 2010 WI App 2 (Wis. Ct. App. 2009). · cites it 13× “24 is limited by the restrictions set forth in Wis. Stat. § 631.01 (1). See Arnold E Anderson, Wisconsin Insurance Law § 11.”
Robert H. Shugarts, II v. Dennis M. Mohr, 909 N.W.2d 402 (Wis. 2018). · cites it 3× “Allstate contends that § 631.01(1) requires a contrary result. 8 It argues that § 631.”
Melissa Anderson v. Thomas Aul, 2015 WI 19 (Wis. 2015). · cites it 4× “30 See Wis. Stat. § 631.01 (1). 17 No. 2013AP500 ¶47 Second is Wis.”
Appleton Papers, Inc. v. Home Indem. Co., 2000 WI App 104 (Wis. Ct. App. 2000). · cites it 6× “Home does not contend that the agreements fit within any of the Wis. Stat. § 631.01 exceptions. Rather, it asserts that the agreements are not "forms" as defined in WlS.”
Butler v. Sentry Ins. a Mut. Co., 640 F. Supp. 806 (N.D. Ill. 1986). · cites it 3× “Thus, for example, Wisconsin has seen fit to require insurers to include alcoholism-treatment coverage when they write health-insurance policies on Wisconsin residents (see Wis. Stat. § 631.01 (1)). Insurers are of course not limited to single-state operations.”
The Lexington Ins. Co. v. Rugg & Knopp, Inc., & the Salt Lake City Corp., 165 F.3d 1087 (7th Cir. 1999). “Therefore, Policy 1 falls under the notice-prejudice provisions of the statute. Moreover, chapters 631 and 632 of the Wisconsin Statutes, governing insurance contracts generally, apply to “all insurance policies issued or issued for delivery in Wisconsin.”
Clementi v. Nationwide Mut. Fire Ins. Co., 16 P.3d 223 (Colo. 2001). “2d 1139 (2000), and Wisconsin, Wis. Stat. §§ 631.01 , 631.15(3m), 631.81(1), 632.”
Donald R. Wild & Diana H. Wild v. Subscription Plus, Inc., 292 F.3d 526 (7th Cir. 2002). “Progressive was Lane’s insurer; Lane, remember, owned the van that crashed as well as owning and controlling Y.”
Farmers Auto. Ins. Ass'n v. Union Pac. Ry. Co., 2008 WI App 116 (Wis. Ct. App. 2008). · cites it 2× “delivered or issued for delivery in this state, on property ordinarily located in this state," Wis. Stat. § 631.01 (1), may not be used unless they have "been filed with and approved by the commissioner [of insurance]," with exceptions that do not apply here, Wis.”
Edstrom Indus., Inc. v. Companion Life Ins., 516 F.3d 546 (7th Cir. 2008). “The arbitrator did not mention the statute, but the magistrate judge ruled that it did not apply in this case because it does not apply to contracts of reinsurance, Wis. Stat. § 631.01 (2), and he held that the stop-loss policy was a contract of reinsurance — that Edstrom was…”
Show all 23 citing cases →
— Wis. Stat. § 631.01(1) — 8 cases
Kenison v. Wellington Ins., 582 N.W.2d 69 (Wis. Ct. App. 1998). “24 was inapplicable by virtue of § 631.01, Stats., 3 since it neither delivered nor issued *704 for delivery a policy of insurance in Wisconsin.”
Casper v. Am. Int'l South Ins., 2011 WI 81 (Wis. 2011). “" In this review, the Caspers contend that a plain reading of Wis. Stat. § 631.01 (1), together with Wis.”
Robert H. Shugarts, II v. Dennis M. Mohr, 909 N.W.2d 402 (Wis. 2018). “Allstate contends that § 631.01(1) requires a contrary result. 8 It argues that § 631.”
Casper v. Am. Int'l South Ins., 2010 WI App 2 (Wis. Ct. App. 2009). “24 is limited by the restrictions set forth in Wis. Stat. § 631.01 (1). See Arnold E Anderson, Wisconsin Insurance Law § 11.”
Butler v. Sentry Ins. a Mut. Co., 640 F. Supp. 806 (N.D. Ill. 1986). “Thus, for example, Wisconsin has seen fit to require insurers to include alcoholism-treatment coverage when they write health-insurance policies on Wisconsin residents (see Wis. Stat. § 631.01 (1)). Insurers are of course not limited to single-state operations.”
— Wis. Stat. § 631.01(3) — 1 case
Tabu S.p.A. v. Great Am. Ins., 757 F. Supp. 36 (W.D. Wis. 1991).
— Wis. Stat. § 631.01(5) — 2 cases
Etter v. State Farm Mut. Auto. Ins., 2008 WI App 168 (Wis. Ct. App. 2008).
Edward E. Gillen Co. v. Ins. Co. of Pennsylvania, 747 F. Supp. 2d 1058 (E.D. Wis. 2010).
— Wis. Stat. § 631.01(l)(c) — 1 case
Kenison v. Wellington Ins., 582 N.W.2d 69 (Wis. Ct. App. 1998). “24 was inapplicable by virtue of § 631.01, Stats., 3 since it neither delivered nor issued *704 for delivery a policy of insurance in Wisconsin.”
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.