By Liberty Union Insurance Group, Inc. · Updated
Illustrative scenario · Not a reported client claim
01
The accident
An employee falls while working from scaffolding and suffers a serious head injury. Recovery may require an extended absence from work.
02
The potential cost
Consider the person who cannot return to their normal work, the family facing uncertainty and the business that must respond while operations continue. No dollar amount is assumed in this example.
03
With relevant coverage
For a covered work injury, workers’ compensation can provide statutory benefits, such as medical care and income benefits. Eligibility and benefit amounts depend on the circumstances and applicable law.
04
Without relevant coverage
A Texas nonsubscriber may face a negligence lawsuit and lose certain common-law defenses. Liability is fact-dependent, not automatic. Alternative accident coverage does not provide all the protections of Texas workers’ compensation.
Texas legal and benefits context: Texas Department of Insurance workers’ compensation guide. This example is educational, not legal advice.
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