A serious injury reaches beyond the medical bill
An injury can interrupt someone’s ability to earn a living and your ability to keep a job staffed. Think through the impact on both your employees and your business before deciding on coverage.
The Texas decision
Most Texas private employers can choose whether to carry workers’ compensation, with exceptions. Going without coverage can expose an employer to employee lawsuits and remove important legal protections. Discuss your circumstances with the agency and qualified counsel.
Operating across state lines
Do not apply the Texas choice to your other locations. Tell us every state where employees work so requirements and policy arrangements can be reviewed. Occupational accident coverage is not the same as statutory workers’ compensation.
Read the Texas Department of Insurance workers’ compensation guide for the Texas framework. Requirements and benefits vary by state.
Texas non-subscription deserves a full review
The decision affects employee benefits, lawsuit exposure and how the business responds to a serious injury. Liberty Union Insurance Group, Inc. can help organize a review of your payroll, work locations, employee duties and contract requirements.
Plan beyond the application
Keep job descriptions and payroll estimates current, tell the agency when employees work in a new state, and understand how premium audits operate. Prepare an injury-reporting process before a loss. Review subcontractor documentation rather than assuming a certificate resolves worker classification.