Texas Workers Compensation

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Texas Workers Compensation

There are countless opportunities for fun and adventure in Texas, the second-largest state in the country. There are a number of unique activities and attractions in the state due to its geographic and cultural diversity. Texas offers an array of vacation possibilities, from cities to coastlines, mountains, and deserts.

Compared to West Texas cities like Amarillo or Lubbock, metropolitan centers like Houston, Austin, and Dallas offer an interesting contrast. There are many things to see and do in San Antonio, including the Alamo, the River Walk, and the nearby Hill Country.

The state of Texas is much more than just a tourist destination. By enabling entrepreneurs and innovators to unleash their potential and securing the freedom to aspire, Texas will remain the best state for small and large businesses for generations to come.

Businesses in Texas can rely on a comprehensive workers' compensation policy to protect their employees in case of workplace accidents.

Importance of Texas Workers’ Compensation Insurance

Stampede Insurance Services knows how important it is to have a protected workplace in order to feel secure and at ease. Worker's compensation insurance provides employers with the protection they need to ensure a safe workplace for their employees.

A comprehensive workers' compensation claim is a legal requirement for businesses and independent contractors to protect their workers against unpredictable occurrences that warrant liability. In the event of a workplace injury or illness at work, workers' compensation insurance covers medical expenses and lost wages.  

If an employee is injured on the job, workers' compensation policies protect the employee from hospital bills and lawsuits related to the injury. You may be held responsible for medical bills and lost wages for your injured workers if they suffer a work-related injury or illness without coverage.

Although workers' comp laws vary by state, most small businesses require a policy after hiring their first employee. Depending on the state laws, the regulation requires employers to have one of these workers' compensation programs in place.

What Do Texas Workers' Compensation Benefits Cover?

Based on your coverage and different requirements, workers’ compensation insurance can cover a variety of expenses if your injured employee suffers an injury or illness at work, including:

  • Medical benefits
  • Payback of lost wages
  • Costs of ongoing care
  • Funeral expenses
  • Death benefits

Unemployment benefits are generally not available during this time. Your employee won't be able to receive workers' compensation benefits if they get hurt or sick outside of work.

Additionally, if an employee acquires work-related injuries while intoxicated, or if the employee intentionally hurts themselves, coverage may not be available.

We’ll Help You Cut Your Insurance Costs!

In Texas, workers' compensation coverage can provide financial and physical protection for most employers. We can provide an entire solution for all your insurance and business needs with the help of our dedicated business partners and experienced agents at Stampede Insurance.No matter where you are, our expert agents are eager to find a comprehensive policy fit for your business! We also offer services in Nevada, Arizona, and New Mexico. Get a free no-obligation quote today from our website!

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