Workers’ Compensation Insurance
Workers’ compensation is a state-regulated insurance program. Employees covered by workers’ compensation get medical care necessary to treat their work-related injuries and illnesses.
Workers’ compensation may include:
- Payments to replace some of an injured employee’s lost income
- Compensation for burial expenses for employees killed on the job
- Death benefits for dependents of employees killed on the job
Workers’ compensation doesn’t pay for injuries that are:
- Intentional or self-inflicted
- Result from horseplay or voluntary drug or alcohol intoxication
- Inflicted by someone for personal reasons unrelated to the job
- Result from off-duty recreational, social, or sports events
- From “acts of God” (like floods or hurricanes) in most cases
Texas Workers’ Comp laws
In most cases, workers’ compensation insurance is not required in Texas. However, private employers who work on public projects must have workers’ compensation for the employees working on the project. Some contractors may require their subcontractors and independent contractors to have workers’ compensation insurance.
Texas employers, except for public entities, can choose whether or not to provide workers’ compensation insurance coverage for their employees. Workers’ compensation provides covered employees with income and medical benefits if they are injured on the job or have a work-related injury or illness. Workers’ compensation is regulated by the Texas Department of Insurance, Division of Workers’ Compensation (TDI-DWC).
With few exceptions, workers’ compensation insurance limits the employer’s liability for the work-related injury or death sustained by the employee.
Shopping for Workers’ Compensation Insurance
By purchasing a workers’ compensation policy, you and your employees will be protected. The policy will provide lost wages and medical benefits to your employees if they are injured on the job. Except in cases of gross negligence, workers’ compensation insurance limits your liability if an employee brings suit against your business for damages.
Employers should bring Awesome Insurance on board to shop around to find the best rate. Awesome Insurance offers policies strictly from licensed insurance companies.