The Windows For Workgroups 3.11 we provide here is divided into floppies. When you open the archive, you'll find 9 folders from which you can copy the contents onto nine 1.44 Mb floppy disks.
As for Windows 95, it is rarely provided as separate disks, but I'm pretty sure there are tutorials on the Internet explaining how to dispatch it onto about thirty 1.44 Mb disks, although those disks need special MDF (Microsoft Distribution Format) formatting, that can only be achieved using WinImage (Google for it), as far as I know. But like I said, tutorials will probably explain all of it.
I hope that helped.