Workers Compensation

When an employee gets hurt or falls ill on the job, the financial and legal burden may fall on the employer. Medical bills may accumulate, productivity may drop and the absence of coverage can expose a business to lawsuits and regulatory penalties. Workers’ compensation insurance can financially protect companies and staff alike, covering employees for work-related injuries and illnesses while shielding employers from the costs that may follow.

What Does a Policy Cover?

A standard workers’ compensation insurance policy can cover:

• Medical expenses for treatment related to the injury or illness
• A portion of lost wages during recovery
• Rehabilitation and retraining costs if the employee cannot return to their original role
• Death benefits paid to family members following fatal accidents
• Employers’ legal costs if the injury or illness leads to a lawsuit

Is It Required in Texas?

Texas does not mandate workers’ compensation insurance for most private employers. However, those who contract with government entities must provide workers’ compensation coverage for employees working on those projects.

Businesses that opt out may carry direct financial exposure if a worker is injured. Nonsubscribing employers are typically required to notify the Texas Department of Insurance of their nonsubscriber status, provide written notice to employees and post conspicuous workplace notices.

How We Can Help

We can review your payroll, job classifications and workplace conditions to make sure that the policy you carry accurately reflects your business and its coverage needs.

Contact Area Insurance Services today to review your options and request a personalized quote.