Workers’ Compensation is an insurance coverage that pays benefits to workers injured on the job, including medical care, part of lost wages and permanent disability. It also provides death benefits to dependents for employees killed from a work-related accident.


The Employer’s Responsibilities

Employers are required to do the following to comply with Workers’ Compensation Insurance laws:

  • Provide coverage for their employees and are held liable for all injuries suffered by employees while they are on the job.
  • Pay premiums and provide the carrier with audit payroll numbers.
  • Provide a safe environment.
  • Notify the carrier as soon as possible after an injury.
  • Investigate injuries.

There are other actions that your organization can take to reduce workers’ compensation costs, and we have the tools to show you how.


Claim Reporting

Every accident, whether the employee has lost time from work or not, must be reported. All medical bills related to any Workers’ Compensation claim should be sent directly to your insurance company. Please do not wait until you receive a medical bill to submit a claim. The insurance company and you, as the employer, are required to abide by strict guidelines for reporting claims as set by State of Wisconsin Statute and Administrative Rules. Therefore, it is imperative that claims be reported promptly.

Please complete a WKC-12-E Employer’s First Report of Injury or Disease form and send it directly to your company.

WKC-12 Print Version

WKC-12 -E Electronic Version


"I’d been with my current insurance company for 15 years but after bumping into Ryan Waite around town a number of times I picked up the phone when my insurance renewal docs landed in my inbox to see if there was a better solution out there. Ryan collected my information, talked with me about my needs and called me a day later recommendations and options. He helped me to understand the gaps in my coverage and provided guidance for the best solution possible which, at that time, wasn’t one of his solutions. It a rare find to meet an agent that cares more about the best solution for someone over making a sale. Ryan’s at the top of my list for an annual insurance review and I look forward to working with him in the future."

- Justin H.