Workers Compensation Insurance

In Texas, Workers Compensation is not mandatory for most private employers, but it's highly recommended. Without it, you're personally liable for employee injuries and medical costs. Workers Comp covers medical expenses, lost wages, and rehabilitation for employees injured on the job. It also protects you from lawsuits by injured workers. Many contracts and clients require proof of Workers Comp before hiring you.

Contact us immediately when an incident occurs—we'll guide you through the process. Document everything with photos, witness statements, and written descriptions. Report the claim to your insurance carrier promptly (most policies require timely notification). Keep records of all expenses and communications. We advocate on your behalf throughout the claims process to help ensure fair treatment.

Several strategies can reduce premiums: increase deductibles, bundle multiple policies, implement safety programs, maintain a clean claims history, and review coverage annually to eliminate unnecessary coverage. We also shop your policies across multiple carriers to ensure competitive pricing. Sometimes small operational changes can significantly impact your rates.