Wisconsin Statutes

Wis. Stat. § 632.22 (2026)

Required provisions of liability insurance policies

✓ current as of July 2026
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632.22632.22Required provisions of liability insurance policies. Every liability insurance policy shall provide that the bankruptcy or insolvency of the insured shall not diminish any liability of the insurer to 3rd parties and that if execution against the insured is returned unsatisfied, an action may be maintained against the insurer to the extent that the liability is covered by the policy.
632.22 HistoryHistory: 1975 c. 375.
Notes of Decisions
Cited in 6 cases, 1983–2016 · leading case: Casper v. Am. Int'l South Ins., 2011 WI 81 (Wis. 2011).
Casper v. Am. Int'l South Ins., 2011 WI 81 (Wis. 2011). · cites it 4× “It is now contained in Wis. Stat. § 632.22 and reads: Required provisions of liability insurance policies.”
Rauch v. Am. Fam. Ins., 340 N.W.2d 478 (Wis. 1983). · cites it 4× “Section 632.22, Stats. requires that all liability insurance policies contain a provision that the bankruptcy or insolvency of the insured not diminish the insurer's liability to third parties.”
Gulf Underwriters Ins. v. Burris, 674 F.3d 999 (8th Cir. 2012). · cites it 2× “Any bond or policy of insurance covering liability to others for negligence makes the insurer liable, up to the amounts stated in the bond or policy, to the persons entitled to recover against the insured .”
Decade's Monthly Income & Appreciation Fund Ex Rel. Keierleber v. Whyte & Hirschboeck, S.C., 495 N.W.2d 335 (Wis. 1993). · cites it 3× “In enacting sec. 632.22, Stats., the Wisconsin legislature chose specifically to protect third parties in the event of an insured party's bankruptcy.”
Tierney v. Lacenski, 338 N.W.2d 320 (Wis. Ct. App. 1983). “6 Although the result may appear unfortunate- and unintended by the legislature, this is a matter that is best left to the legislature’s discretion as done in §§ 632.22 and 632.34, Stats. See Kranzush v.”
Edward E. Gillen Co. v. Ins. Co. of Pennsylvania, 825 F.3d 816 (7th Cir. 2016). “Whatever the rule might be elsewhere, Wisconsin is a direct-action jurisdiction in which the victim of an insured wrong can collect from the insurer.”
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