Workers’ Compensation Insurance in Houston, TX

Workers’ compensation insurance can be a fundamental component of workplace safety and employee welfare in Houston, TX. Understanding the basics of workers’ compensation insurance can help employers make informed decisions about coverage and promote a safe and supportive environment for their workforce.

What Does Workers’ Compensation Cover?

Workers’ compensation insurance can offer various benefits for employees. These benefits can encompass medical expenses associated with the injury or illness, including emergency treatment, doctor visits, physical therapy, and transportation costs. Additionally, it provides a portion of the worker’s average weekly earnings during their recovery period. If the injury results in permanent disability, the insurance may provide permanent disability payments. In cases where the worker cannot return to their former job due to physical impairments, vocational rehabilitation could be offered. Additionally, death benefits may be granted to the dependents of a worker who passes away due to a job-related incident.

Employer Requirements

Although workers’ compensation insurance isn’t required for every employer in Texas, it is highly recommended. Employers who opt out must notify the Texas Department of Insurance and their employees. Those who choose to provide coverage must confirm compliance with state laws and regulations. This typically includes maintaining accurate records of workplace injuries and illnesses and reporting them promptly.

Cost of Workers’ Compensation Insurance

Workers’ compensation insurance premiums can vary based on the industry, the size of the business and the company’s claims history. High-risk industries, such as construction and natural resources, typically face higher premiums. Employers can work with insurers to find the best rates.

Learn More

For workers’ compensation insurance near you, contact Devco Insurance Services.