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


"Yesterday, Sindi completed the new policies for our 3 properties and two automobiles. We appreciate being able to have all the coverage with one company and it helps to have the umbrella coverage on all the properties as well as the automobiles. Sindi completed everything in a timely manner and the work was done as promised; despite it being her first day back from vacation. I found her to be knowledgeable, willing to follow up on specific questions and able to quickly get additional detail information and willing to make minor adjustments. Overall, I found her to be a very competent insurance professional and a very pleasant person to work with. I wouldn’t hesitate to recommend the Neckerman Agency and Sindi in particular to my friends and business associates. Thanks to you as well for recruiting, selecting and retaining competent staff."

- David G.