Valuing Your Employees With Comprehensive Workers Comp

Workers compensation insurance spreads and shifts the risk for on-the-job employee injuries from employers to insurance providers. Doing so protects the business from work-related claims and legal exposure. Business owners can breathe easier knowing employees will be properly cared for if an accident happens without posing a threat to the company’s profitability or to its solvency.

And workers compensation provides reimbursement regardless of who’s at fault for an on-the-job injury. If the injury occurs during the normal scope of normal job duties, workers compensation will pay all applicable benefits.

When Should I carry Workers Compensation Insurance?

In terms of required coverage, Texas workers compensation law provides business owners with greater flexibility compared to other states. However, even if you’re not legally required to carry workers compensation, R.D. Kothmann Insurance Agency recommends it. If an employee sustains an on-the-job injury, responsibility for related medical payments and lost wages will ultimately fall on you, the business owner. How would you be able to pay for this without the proper workers compensation policy.

For more information regarding Texas Workers Compensation, you can visit: http://www.tdi.texas.gov/wc/employer/index.html.