Texas might not require you to buy a commercial workers compensation insurance Houston, TX plan. However, you should consider adding it to your comprehensive business insurance bundle. Insurance can protect your business from the what-ifs that could happen. But that’s only if you include it in your plan.

What is commercial workers compensation insurance?
Commercial workers compensation insurance, or worker’s comp for short, provides benefits for your workers when they’re injured or ill due to something work-related. Usually, if you have this coverage in place, it can also pay for any medical bill and have additional benefits for temporary or permanent disabilities caused by work. Our experts highly recommend buying this insurance for your business if you work in a risky or injury-prone industry.

Anything can happen on the job, so you need a commercial workers compensation insurance plan.

If your business is part of an industry with many worker’s comp claims, you should consider getting a policy for your business’s well-being. Industries with the highest number of claims include the following:

• Nursing assistants, registered nurses, licensed practical & vocational nurses, and personal care aides
• Construction workers, laborers, and freight, stock, and material movers
• Truck drivers – both heavy trucks and tractors
• Stockers & order fillers
• Retail salespeople and production workers
• General maintenance and repair workers

There’s no mystery behind why these industries have the highest worker’s comp claims. These professions have close encounters with several hazardous situations, from working with dangerous materials to engaging with customers and patients. Not everyone’s work environment is safe; some can even be hostile. Texas Insurance Agency can help your business continue operation with the right commercial workers compensation insurance plan.

Commercial Workers Compensation Insurance Houston, TX

Accidents can happen even when everyone on site is extra careful and following all safety precautions. That’s why it’s better to be safe than sorry and have a commercial workers compensation insurance plan, even if it’s not required by law. Your workers could file a claim if one of the following events happens to them while working:

• Tripping, slipping, and falling
• Overexertion
• Assaults and intentional acts of violence from another party
• Struck by, caught in, or caught in between objects
• Scaffold and ladder collapses
• Auto accidents
• Repetitive motion injuries
• Incidents caused by failure to train workers properly
• Incidents caused by failure to maintain a safe working area
• Crane, backhoe, and forklift accidents
• Electrocutions or injuries caused by defective equipment
• Exposure to toxic or dangerous substances, chemicals, or items

Getting commercial workers compensation insurance can help your workers get the care they need to recover. Most basic worker’s comp plans provide medical care. Some plans may also cover part of their lost income because they have to spend time recovering from the injury or illness. In extreme cases, if the worker dies because of a work-related injury or illness, the plan can pay for some of the burial expenses and provide benefits for the family.

Having commercial workers compensation insurance Houston, TX can make a difference for your workers.

Are there exceptions to a worker’s comp plan?
Of course, there are some incidents that a commercial workers compensation insurance plan won’t cover. This plan won’t cover an incident where a worker intentionally injured themselves, injured themselves while intoxicated, was injured outside of work, was injured for personal reasons unrelated to work, or was injured because of a natural disaster (e.g., hurricane).

Why You Should Get Worker’s Comp

Firstly, it shows your workers that you care for their well-being. This will likely boost your team’s morale, knowing they’ll be well-cared for in case of an accident.

Secondly, you’ll be subject to the losing side of lawsuits if you don’t have commercial workers compensation insurance. This insurance plan can protect you against most lawsuits for this type of claim. If you do have this coverage, you can’t be sued unless your worker died from negligence on the business’s part.

Some private employers that work closely with government entities must provide worker’s comp for their contractors. If your business falls under this category, chances are you must find a plan that best fits the rest of your business’s coverage plans. Some contractors may also require their subcontractors and independent contractors to have a worker’s comp plan in place for their team.

Other Types of Business Insurance to Protect You & Your Workers

Commercial workers compensation can protect your workers if they get injured. It’s one way to protect your business while providing benefits for your workers to ensure their well-being. However, other coverage plans can protect your business when something happens that you and your workers have little control over. Those coverage plans include the following:

• General Business Liability – This type of coverage protects your business from lawsuits and other claims that accuse the business or a worker of damaging or injuring another party.
• Commercial Auto Insurance – This coverage helps cover any needed repairs or medical bills when you or a worker gets into an accident while using a business-owned vehicle.
• Commercial Property Insurance – This plan covers any repairs or replacements for an accident or incident to the assets within your property or premises.
• Professional Liability Insurance – Also known as errors & omissions or malpractice insurance, this plan helps protect professionals when a client sues them for an error in their performance.
• Umbrella Insurance – Umbrella plans cover excess claims over your typical general liability or commercial auto plans.

No matter what business you are in, protecting your workers with commercial workers compensation insurance is the right thing for your business and team.

Choose the plans you need to ensure your business for your industry. Don’t be blindsided by an incident that doesn’t usually happen. Cover all your blind spots with the right insurance plan and keep your business operating! Texas Insurance Agency can help you find the right plans for your needs.

Protect What’s Important to You

Protect your team with the help of our team. Find the right plan to cover all of your business’s needs. We can tailor a bundle that will protect your business from anything that could happen within your industry. Call our office for a free quote or to set up a meeting today.

Texas Insurance Agency has helped many clients from our Houston office. We can discuss the pros and cons of getting commercial workers compensation insurance.

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