Workers’ Compensation

Workers' Compensation Insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. We'll work with you to find a solution that creates a safer and more productive workplace.

You are familiar with your risks as a business owner. From theft and natural disasters to human error caused by employees, you are well aware that a myriad of occurrences can easily put you in a vulnerable position. However, a great risk you face as a business owner is an employee injury. Without workers comp insurance coverage, you may lose important legal protections and a great deal of money.

Texas workers compensation insurance pays for medical bills and partial lost wages of employees injured in your workplace or who develop work-related illnesses. The benefits distributed to these employees vary depending on the injuries. Further, workers compensation includes:

Income Benefits: Covers a portion of employees’ lost wages
Medical Benefits: Covers medical treatment due to work injury
Burial Benefits: Covers a portion of funeral expenses
Death Benefits: Covers a portion of lost wages to families of employees killed on the job
Employer’s Liability

Texas is one of the few states that doesn’t require workers compensation. However, opting to forego this coverage may cost you thousands of dollars in the event of an employee’s work-related injury or illness. Non-subscribing employers may be forced to pay extremely high damage awards if disgruntled employees take their cases to court. However, if an employer does have workers compensation coverage, Texas law minimizes his or her liability. In this case, employees usually cannot sue the employer, which will save you time, money and court costs.