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  • You can get Workers Compensation quotes in a hurry and your policy can be bound soon. Convenient payment options and the option to pay with a credit card make it easy to deal with us. Certs can be issued the same day if needed.
  • Workers Compensation Basics
  • Employers always try to provide a safe working environment for their employees, but even the most conscientious business operations are not immune to an occasional accident. Workers' Compensation insurance provides benefits to injured or sick employees while protecting businesses themselves from costly lawsuits.
  • Workers Comp is required by law in most states. Business owners with employees must provide coverage for all full and part-time employees or face federal and state fines. Each state maintains its own regulations to ensure that businesses provide compensation and health benefits to employees who are hurt on the job or become as a result of the workplace.
  • Workers Compensation insurance is a no-fault policy. Employees can usually receive benefits for their work-related injury even if the cause weren't directly traceable to the Business Owner's responsibility. The employee who receives compensation can't sue the company for negligence.
  • Why Workers Compensation Insurance is Not Costly

  • Why do employers consider Workers Compensation Insurance costly? It’s probably because in most states it’s mandated by law so they cannot choose not to provide coverage for their employees. Perhaps it’s because when an employee gets injured while on the job, the insurance company takes care of medical expenses and lost wages until such time he’s fit to work again, and no employer would want to foot the bills for medical expenses or a non-producing employee on their own. What’s more, during the time the injured worker is tending to injuries, the business owner often has to hire an interim employee.

  • There was a time when Texas Worker Compensation was paid for in a lump sum payment, but with the introduction of Pay As You Go Work Comp, the payment of the premium is made alongside the payroll. It means that business owners don’t need to pay any large deposit or shell out big money for a one-time payment for their TX Workers Comp insurance premiums. Thus, the cash flow benefits make paying for Texas Workers Comp less costly. Moreover, Workers Comp Texas is not just for the benefit of workers but also works for the advantage of employers as well. When injuries happen, the company does not have to worry in paying for the injured person’s medical bills because, as mentioned, Even more important to most business owners, is it also offers the company protection in the event of costly, and in some cases even multi-million dollar personal injury lawsuits that may be filed on behalf of the injured employee.

  • If the company chooses not to have a Workers Compensation TX policy as required by law, an injured person may file a claim against the company even though the fault for the incident may completely lie with the worker themselves. In most cases, as where the employee is covered by a TX Workers Comp insurance program, the only other incident that can make way for a lawsuit is if there is gross negligence on the part of the company or if the company intended the person to be injured. Other instances not covered by these exceptions do not entitle a personal injury claim against the employer With all these benefits, for both business owners and employees, there is hardly a reason to consider Workers Compensation TX a burden.

  • Workers Compensation is sometimes referred to in many other terms including; Work Comp, Workmans Comp and Wokmens Comp, including variations of Workmen's and Workman's. We provide California Workers Compensation, Texas Workers Compensation and Workers Comp for the states of; Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Louisiana, Mississippi, Nevada, New Mexico, Tennessee, Texas, Utah, West Virginia and more. We Specialize In: