Residents and drivers

My household has 3 residents and we each have our own cars and car insurance policies. I am the only one that drives my car and I have the other 2 listed as residents but put to not insure them on the policy. If they borrow my car with my permission to go to the grocery and get in an accident then are they covered or not? They might drive my car once every few months maybe.

I live in Wisconsin and online it looks like wisconsin does not allow excluded drivers.

So then as long as I include them as residents but not drivers then they should be fine?