Wisconsin Statutes

Wis. Stat. § 631.13 (2026)

Incorporation by reference

✓ current as of July 2026

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631.13631.13 Incorporation by reference. No insurance contract may contain any agreement or incorporate any provision not fully set forth in the policy or in an application or other document attached to and made a part of the policy at the time of its delivery except that:

631.13(1)(1) Rates. Any policy may by reference incorporate rate schedules and classifications of risks and short-rate tables filed with the commissioner; and

631.13(2)(2) Complex contracts. By rule or order or by approval of a form the commissioner may authorize for complex contracts incorporation by reference of provisions for administrative arrangements, premium schedules and payment procedures.

631.13 HistoryHistory: 1975 c. 375.

Notes of Decisions

Cited in 1 case, 1997–1997 · leading case: Smith v. Dodgeville Mut. Ins., 568 N.W.2d 31 (Wis. Ct. App. 1997).

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Smith v. Dodgeville Mut. Ins., 568 N.W.2d 31 (Wis. Ct. App. 1997). · cites it 4× “Our interpretation in this regard is supported by § 631.13, Stats., 5 which states in relevant part: No insurance contract may contain any agreement or incorporate any provision not fully set forth in the policy or in an application or other document attached to and made a part…”

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