Call Us Today!  281.240.4070 or 1.888.240.4070

Get Insurance Quotes
Just one click from getting a free insurance quote today!


image_workerscompEmployers often buy workers’ compensation insurance to pay medical and income benefits to workers who have work-related injuries or illnesses. This type of insurance protects workers by assuring that they are compensated for their injuries, but it also is beneficial to employers. In addition to relieving them of liability for claims, workers’ compensation gives employers certain legal protections, including immunity from most employee injury lawsuits.

Workers receive benefits based on the type and severity of their injuries. Benefits can include:

  • lifetime medical benefits for necessary treatment of compensable injuries and illnesses
  • disability income benefits for a specified period of time and up to dollar limits set by law
  • limited funeral expenses for workers killed on the job
  • death benefits for surviving dependents of workers killed on the job.

The Texas Department of Insurance (TDI) regulates the state’s workers’ compensation system.

Texas does not require most private employers to carry workers’ compensation insurance. Private employers who contract with governmental entities are required to provide workers’ compensation coverage for each employee working on the public project. Some clients may also require their contractors to have workers’ compensation insurance.

Employers who choose not to have workers’ compensation insurance must:

  • file an annual notice of no coverage with TDI
  • prominently display notices of non-coverage in the personnel office and throughout the workplace
  • give a written statement of non-coverage to each new employee..

Employers with workers’ compensation have some important legal protections, including immunity from most lawsuits by injured workers. If an employer has workers’ compensation, a lawsuit may go to court only after TDI’s administrative dispute process has been exhausted. TDI’s recommendations must be presented to the court, and evidence is limited to the issues in dispute Resolved issues cannot be reintroduced. The employer’s insurance company pays attorneys’ fees and other defense costs.

Employers without workers’ compensation could be forced to pay punitive damages if they lose injury lawsuits. They also lose certain common-law defenses, such as arguing that:

  • the injured worker’s negligence caused the injury
  • the negligence of fellow employees caused the injury
  • the injured worker knew of the danger and voluntarily accepted it.




Does my Homeowners policy have that?

How much do you know about your insurance
policy? Let us explain some of the key things
you need to look for when comparing policies.

Learn more!

Planning for the Upcoming Hurricane Season?

The season is always around the corner and
you should be prepared for the unexpected.
Here is our list of things you should review.

Learn more!

Are you prepared for a fire in your home?

There are many steps you can take to reduce
the chance of a fire in your home. Let us show
you a few things that will help your prevention.

Learn more!

Tips for Buying

Here are a few tips to purchasing
Homeowners insurance.

Find out more

Life Insurance Tips

Life insurance purchasing is hard,
here's some of the top tips to help.

Find out more

Health Insurance Tips

Here are a few key strategies to
help you get the right deal.

Find out more

Storm Safety Tips

When a storm is on the way, we
can help you prepare!

Find out more

Quinnen Williams Jersey