Fun fact: Workers compensation is not required in teh state of Texas.
Other Fun Fact: There are things you need to file with the state and forms to post in your office or else the state will have something to say. (Texas Department of Insurance form DWC005 is your first stop)

Unfortunately, in todays world it’s not a matter of if your employees will have an injury at work but when. So it’s in your best interest to have coverage for it so you’re not out of pocket.

So what does workers compensation cover exactly? A lot! It’s easier to say they thing typically not covered. That list typilcally includes, injuries from intoxication, intentional injuries, injuries from fights the employee starts.

Workers Compensation Claim #1

You own a pool lifeuard staffing company. It’s July in Texas so it’s 137 degrees in the shade. Your employees are pretty good about staying hydrate but someone happens to passout from the heat. They’re in the lifeguard chair at the time and suffer injuries from the fall. Workers compensation could cover the wages lost during recovery and the medical bills.

Workers Compensation Clam #2

Your car wash business is booming. There is always a line from the time you open to the time you close. An employee is spraying down vehicles as they guide them onto your track. They aren’t paying attention and their foot gets caught in the track and they are pulled down the tunnel. Workers compensation could cover the the medical bills and wages lost.

We pride ourselves on having 10+ carriers that offer workers compensation insurance coverage. We will be sure to shop your rates around each year to insure we are still offering you the best package.