Workers Compensation Insurance Overview

Workers compensation insurance protects both employers and employees when workplace injuries occur. Understanding this coverage is essential for Texas businesses.

Texas Workers Compensation Laws

Texas is unique - most private employers are not required to carry workers compensation insurance. However, there are important considerations:

If You Choose Coverage

• Must provide coverage for all employees
• Must post notice of coverage
• Coverage must be continuous
• Employees generally can't sue for workplace injuries

If You Don't Carry Coverage

• You must notify employees in writing
• You can be sued for workplace injuries
• No protection from employee lawsuits
• Must post notice of non-subscriber status

What Workers Compensation Covers

Medical Expenses

• Doctor visits
• Hospital stays
• Prescription medications
• Medical equipment
• Rehabilitation services

Lost Wages

• Temporary disability benefits
• Permanent disability benefits
• Death benefits for dependents

Legal Protection

• Protection from employee lawsuits
• Coverage for legal defense costs
• Settlements and judgments

Benefits for Employees

• Medical care for work-related injuries
• Income replacement during recovery
• Disability benefits
• Death benefits for families

Benefits for Employers

• Protection from lawsuits
• Predictable costs
• Employee retention
• Compliance with contracts

Cost Factors

Workers compensation premiums depend on:

• Industry classification
• Payroll amount
• Claims history
• Safety record
• Experience modification factor

Reducing Workers Compensation Costs

1. Implement Safety Programs

• Safety training
• Regular safety inspections
• Safety equipment
• Incident reporting

2. Return-to-Work Programs

• Modified duty options
• Faster employee recovery
• Reduced claim costs

3. Claims Management

• Prompt reporting
• Effective communication
• Medical case management

4. Regular Policy Reviews

• Ensure accurate classifications
• Verify payroll reporting
• Review experience mods

Industry-Specific Considerations

Construction

• Higher risk classification
• Multiple job classifications
• Subcontractor considerations

Healthcare

• Patient handling risks
• Needle stick injuries
• Slip and fall hazards

Manufacturing

• Equipment-related injuries
• Repetitive motion injuries
• Chemical exposure

Working with TGI Agency

We help Texas businesses understand workers compensation options and find coverage that protects both your business and employees. Our services include:

• Coverage analysis
• Cost optimization
• Claims support
• Safety program guidance

Contact us to discuss your workers compensation needs.