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Texas Workers Compensation Insurance Frequent Questions

  1. What is Texas Workers Compensation Insurance?
  2. What does workers compensation cover?
  3. How does workers compensation work?
  4. What affects my Texas Workers Compensation Insurance rates?
  5. If you fail to make payments and your policy is canceled, it will be hard to get workers comp again?
  6. Which industries often carry Workers Compensation insurance?
  7. Will be starting business in Texas. Researching W/C find that each county in Texas requires that contractor register and that they be named as “certificate holder”. Does this mean a separate policy for each county or is there one policy with multiple counties named or all counties named?
  8. Can you provide insurance anywhere in the state?
  9. Do you work in any other states?

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What is Texas Workers Compensation Insurance?

This insurance pays benefits to your employees if they are injured while on the job. Specifically, it covers their medical bills, a portion of lost wages, vocational rehabilitation and death benefits. Almost every state requires by law that employers carry some form of workers compensation insurance. Because the coverage amount is established by state law, benefits do not vary from company to company within the same state. Limit exposure from your employees with Texas Workers Compensation Insurance.

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What does workers compensation cover?

Workers compensation covers all the employees of the small business. Special provisions must be made if employees work out-of-state. It can cover the business owner if the business is a corporation, and the owner is actively involved in the business. It does not cover independent contractors.

Benefits paid to employees generally include:

  • Unlimited Reimbursement of Medical Expense
  • Portion of Lost Wages
  • Some Vocational Rehabilitation
  • Survivors Death Benefits

Benefits paid to employees generally include:

  • Responses to lawsuits brought by injured employees or their dependents for grossly negligent acts by the employer
  • Protection against employee claims for pain and suffering and loss of relationship (except in North Dakota, Nevada, Washington, West Virginia, Wyoming and Ohio)

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How does workers compensation work?

When a worker suffers an injury, even a minor one, it is immediately reported to the workers compensation insurance carrier. The employee seeks necessary medical attention, and the insurance company pays the bills. If the employee misses work because of the injury, the insurance company pays the employee limited benefits for the lost time. If the employee is not able to return to the job due to a permanent injury, the insurer pays to re-train the employee for another line of work. If the employee dies, the insurer pays a death benefit to the employee’s family.

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What affects my Texas Workers Compensation Insurance rates?

Price of Texas Workers Compensation Insurance premiums are based directly on the amount of your payroll. The higher your payroll, the more in workers compensation premiums you will pay! Job classifications The cost of workers compensation insurance also varies widely depending on the work function of an employee. In general, a premium for an employee who is a roofer is much higher than a premium for a clerical worker. Employers must accurately report payroll by classification of work performed. Your insurance company can advise you which classes apply to your employees.

If you fail to make payments and your policy is canceled, it will be hard to get workers comp again?

Unfortunately, YES!!! If you have current coverage do everything you can to keep it in place because it can be very difficult especially for construction class policies to be purchased if there is a lapse in coverage. You may be able to change insurance companies without a lapse but once there is a lapse it’s an automatic decline for many insurance companies.

Will be starting business in Texas. Researching W/C find that each county in Texas requires that contractor register and that they be named as “certificate holder”. Does this mean a separate policy for each county or is there one policy with multiple counties named or all counties named?

Certificate Holder is the name of the person or entity that the Certificate of Liability Insurance is made out to. This does not confer any rights or coverage to the person or entity to whom it is made out. Basically a Certificate of Liability Insurance is an informal summary of the coverages on your policy. Most municipalities (not only the counties) require that you provide proof of both Liability and Workers Compensation insurance in order to obtain permits and/or a license. A workers compensation policy is written on a business as a whole and Certificates of Liability Insurance can be provided as many times as needed to any number of Certificate Holders as needed throughout the policy period.

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Which industries often carry Workers Compensation insurance?

Industries that commonly carry Workers Compensation insurance include but are not limited to;

Can you provide insurance anywhere in the state?

We have helped customers all across the state of Texas. Below are some of the cities we have done business in.

  • Padre Island
  • Playa Bagdad
  • Corpus Christi
  • Loyola Beach
  • Port Lavaca
  • Matagorda
  • Freeport
  • Galveston
  • Baytown
  • Port Arthur
  • Houston
  • Riviera Beach

Do you work in any other states?

YES!!! We also can help you with worker’s compensation insurance in Florida. For more information visit our Florida Workers Compensation page.

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