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This Month’s Coverage Spotlight

Open enrollment on the Health Insurance Marketplace (Obamacare) is now open for plan year 2024. This enrollment period is available for families and individuals who do not have access to health insurance through their employer.  From November 1st, 2023, to January 15th, 2024, you can enroll in a plan. If you want your coverage to start on January 1st, 2024, it’s crucial to complete your enrollment by December 15th. If you enroll after this date, your coverage will commence on February 1st, 2024.

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Midwest Select Insurance Group (MSIG)

Your one-stop shop for all your insurance needs.

MSIG is a Wisconsin-based independent insurance agency that’s all about making insurance simpler for you, your employees, and your business. Our team of dedicated insurance agents is there to serve as valuable resources, providing you with the best options, advice, and solutions to ensure you secure coverage tailored to your needs. At MSIG, we are in the business of suggesting what’s best for you, not us!

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Ready to start making insurance easy?

With our cutting-edge technology, a team of seasoned agents in Wisconsin eager to drive, personalized 1-on-1 benefit enrollment support for new employees, three convenient Wisconsin locations, exclusive insurance products, and the flexibility to represent a range of insurance companies (unlike captive agencies), we are committed to making insurance as easy and affordable as possible for our clients. Get started with us today!

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What Makes MSIG Special

Here’s what sets us apart when it comes to serving your insurance needs.

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
Why Go Independent?

180+ Years’ Combined Experience

Enhanced Protection

We believe your insurance should fit your unique needs and protect what you care about most.

20+ Experienced Insurance Professionals

A Winning Strategy

We take a focused approach to insurance to bring you coverage that’s truly a game-changer.

3 Office Locations Serving the US

Affordable Rates

We want to help make insurance not only affordable but also accessible to people and businesses.

Recent Blog Posts
Curtis Deprey of Midwest Select Insurance Group received the 2023 Epilepsy Foundation of Wisconsin Legacy Award for his service and dedication.

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Employee receiving money from employer for HSA, FSA, and HRAs.

HSAs, FSAs, HRAs: Differences and Benefits for Employers

Employee benefits play a crucial role in attracting and retaining top talent while promoting overall employee well-being. Health Savings Accounts…
House sitting on coins representing the increase in home and auto insurance rates.

Unraveling the Factors Behind the Increase in Car and Home Insurance Rates

As we proceed through 2023, many individuals are facing a concerning trend: rising insurance rates for both car and home…

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Three Wisconsin Locations

Eau Claire, WI

1101 West Clairemont, Suite 2E
Eau Claire, WI 54701

Wausau, WI

1431 O’Keefe Drive
Kronenwetter, WI 54455

Pewaukee, WI

N27W23953 Paul Road, Suite 200
Pewaukee, WI 53072

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Get a glimpse of the risks you face.

Work Safety
Pre-Hire Physical
Risk Factor

Are you about to hire your next workers' compensation claim? In an effort to get a position filled quickly, you may take shortcuts that could cost you thousands of dollars.


Prospective employees should be required to complete a pre-hire physical. A copy of the intended job description can then be given to the medical provider with the physical requirements of the position. This helps to ensure only those capable of doing the job are hired and keeps other employees safe.

Education and Injury Reporting
Risk Factor

Oftentimes employees don’t understand the workers' compensation process and may be afraid to report a claim for fear of losing their job or impacting a daily count of injury-free days that are tied to an incentive program.


Educate employees on the workers' compensation system. During the hiring process, consider explaining how workers' compensation coverage protects your employee when an injury occurs. Your employees should understand that it is their responsibility to report an injury immediately and follow the company’s guidelines for seeking medical attention. Explain your return to work policy and have your employees sign an agreement stating they understand the process.

Risk Factor

Your employee may become injured and you might be tempted to rely on someone else to communicate with them. As a result, your employee may be confused by the workers' compensation process and unsure where to turn.


You and your supervisors need to stay in constant communication with your employees. Your insurance broker can provide some coaching and guidance throughout the process. Above all, your employees should feel that you care about their injuries and that you will be involved in helping them recover. Your direct supervisors play a key role in this process and should be trained to effectively communicate with your employees throughout the injury.

Return to Work Program
Risk Factor

When your employees become injured, they may need time to recover. As an employer, you may be tempted to rely solely on the workers' compensation insurance company and/or your employee’s medical provider to communicate throughout the process. If you do, the process can become unnecessarily prolonged.


As the employer, let your insurance company and your employee’s medical provider know that you have a return to work program in place. Ask the medical provider to refer to the job description that has been provided for the injured employee. As soon as the employee is medically cleared, offer a light duty position and ask them to report to work. If needed, your employee can continue to receive treatment while they continue to recover.

Payroll Audits and EMR
Risk Factor

Statistically, your company’s Experience Modification Rate (EMR) has more than a 70% chance of being incorrect. Your EMR is a number used by insurance companies to gauge any past cost of injuries and future chances of risk. In addition, over 80% of payroll audits are done incorrectly. Both factors impact your workers' compensation coverage.


Trust your insurance advisor and have them assist and advocate during the annual payroll audit conducted by the insurance company. Your agent should also monitor all claims, but especially claims reserved over a $10,000 threshold. Larger claims should have a quarterly report prepared by your insurance agent to let you know the status of the claim. Your agent should work with your insurance company’s claims adjustor to close any claims as quickly as possible.

Medical Provider Communication
Risk Factor

Claims can remain open longer than needed due to poor communication between you and your employee’s medical provider. As a result, you may be unaware that your employee is well enough to return to work on a modified basis.


Get to know the doctors that are helping your employee heal. Your insurance broker should foster this relationship by assisting you in the selection of the medical provider prior to a claim. Meet with the medical provider, interview them, tour their facilities, ask them to tour your location, and explain your return to work program. Job descriptions can be provided to the medical provider and an agreement of services can be achieved. Once a claim takes place, a clear line of communication should be established so you are kept aware of your employee’s status.

Safety Training
Risk Factor

Sometimes employees are trained to do a job well, but are not trained to do their job safely. Many work-related injuries can be avoided by effective training.


Your insurance broker should be able to organize monthly training classes. Many insurance carriers offer training tools at no charge and your broker can help you utilize these tools to your advantage. For example, topics such as proper lifting techniques can be critical for many job functions. Also, using tools like payroll stuffers can be very effective.

OSHA Inspections
Risk Factor

Many employers are concerned about their next OSHA visit. Worried about citations and fines, employers see OSHA as the enemy. Sound familiar?


OSHA's On-site Consultation Program offers free and confidential safety and occupational health advice to small and medium-sized businesses in all states across the country, with priority given to high-hazard worksites. On-site Consultation services are separate from enforcement and do not result in penalties or citations. Consultants from state agencies or universities work with employers to identify workplace hazards, provide advice on compliance with OSHA standards, and assist in establishing injury and illness prevention programs.

Workers Comp Insurance 101

Ensure the stability of your workers’ comp Dividend and Experience Modification Rate by choosing an agent who can assist you in avoiding potential risks.

  • Click on the hotspots.
  • Discover your risks.
  • Get an agent who specializes in workers' comp.
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Serving Wisconsin and Beyond

With three offices across Wisconsin, we serve clients locally and throughout the US.