Workers Compensation Insurance in Houston Texas

Imagine having a valued employee get hurt at your workplace. Now, imagine not having workers compensation insurance.

• How would you pay the medical bills? 
• Could you be sued? 
• Could you lose your business?

Workers’ compensation insurance is often mandatory for many businesses if they have employees, no matter what the job requires. It covers medical costs and a portion of lost wages for employees who become injured or ill on the job.

It’s like an airbag for your business. When trouble strikes, it deploys to help your injured employee get back to work as fast as possible, minimizing the damage to your business.

If that sounds like a luxury to you, keep in mind, it's probably a good thing for your business. Imagine having to pay for a slip-and-fall accident out of your business checking account.

It’s a good thing for you and your employees.

Workers’ comp insurance may also protect you from being sued by employees for workplace conditions when a court finds your company liable in causing an injury or illness to your employees.

Since workers comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work, the scope of the coverage of the policy is limited to duties performed by employees.

Injuries that may be covered by workers comp insurance include lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury, due to fires or explosions.

Workers Compensation Insurance may cover:

• Medical bills for employees hurt or sickened at work
• Ongoing care, including rehabilitation
• Wages missed while recovering
• Employee lawsuits over injuries
• Funeral expenses, if an employee is killed on the job
• Death benefits to support the deceased's family

It does not cover:

• Third-party lawsuits
• Lawsuits over professional errors
• Wages for a replacement worker
• Parental leave benefits
• OSHA penalties

We specialize in covering local businesses like yours. Having insured businesses in the Houston area since 1936, we can help save you a substantial amount of money by examining the following four areas as they pertain to your business:

• Rates: While workers compensation rates are standard nationwide, depending on carrier, insurance companies apply what they call “deviations, premium discounts or schedule credits” from those rates, up or down depending on the loss experience.
• Premium Audit: When it is time for your annual premium audit, we can make sure you are properly classified and that you maintain your records to receive the most advantageous payroll calculations and classes.
• Experience Mod: We will help make sure your experience mod is an accurate reflection of your claims.
• Loss Control: A loss control or risk management program where injuries to your employees are minimal because of the safety features used on your premises.