Owning a small business is hard enough, but having legal claims brought against you won’t make it any easier; so, protect your business by enlisting League City TX workers comp insurance for small business today! Did you know that Texas Insurance agency has partnered with over 10 different insurance providers, including some of the top providers in the country, like progressive! Therefore, you can trust that you’re getting the best possible service with our team by your side.
We have been in business for years. The reason is that we truly do put our customers first. We wouldn’t be here today if it weren’t for the loyalty of our customers. As a result, we make sure to always offer competitive rates and various options for you to choose from.
Anyways, we’re insurance customers, too, so we know what it’s like to struggle to find affordable rates and prices for insurance. Mainly, this is another reason why we strive dos hard to provide this for our customers.
By actively listening to your concerns and paying attention to detail, we implement changes and policies that you can be happy with. Understanding insurance can be difficult with all of the confusing jargon. But with Texas Insurance, it doesn’t have to be. We strive to make sure that all of our customers are equally accommodated.
If you want great rates and affordability, then look to none other than Texas Insurance agency today. We are always ready to lend a helping hand and help you understand your policy inside and out.
What is League City TX workers comp insurance for small business?
Regardless of the business, you run, accidents can still happen. It does not matter if you are a tech company or an amusement park. All it takes is one wet spot on the ground, and you’re on your way to an uphill legal battle. Worker’s compensation is the best way to ensure that you and your employees are protected from potential accidents.
At the core, worker’s compensation insurance provides your employees with the benefits they need if they are injured on the job. More than this, it provides compensation for:
- Missed wages: If your injured employee misses time off of work as a result of their injuries, worker’s compensation will compensate for those wages, so you don’t have to.
- Medical Expenses: If your employee ends up in the hospital as a result of their injuries, worker’s compensation will cover the medical costs for them and you.
- Vocational Rehabilitation: If their injury was more serious and requires much more medical attention, your employee might need rehabilitation. If this is the case, you will be able to support them through your business worker’s compensation policy.
- Death Benefits: Finally, and worst of all, if the accident was so bad that it results in a death, worker’s compensation policies cover this too.
It the law!
No matter the extent of the injury, it is important for your business to have a workers’ compensation policy on file to protect you and your employees.
Texas Insurance highly recommends that you add this policy on to your general liability coverage plan. However, for some reason, many businesses opt out of adding this policy on. Consequently, they are held responsible for any out-of-pocket costs that occur with a work-related injury.
Some companies aren’t so lucky, though, and cannot simply opt out of a policy. Every state has its own rules and laws when it comes to worker’s compensation. This means that every state has the freedom to decide whether or not they want to actually enforce a workers compensation policy. If they do, then it is up to the individual state to set their own premium amount for the benefits that can be covered under the policy.
Some states have higher premiums due to the risk rates in that country. If you live in a state with a higher risk of having fatal accidents, premiums are higher to account for this.
In any event, you can find information about your state’s laws on the internet. Just as easily, you can get in contact with Texas Insurance and have one of our agents help you out. In Texas, we actually do not require employers to hold worker’s compensation insurance. Therefore, if you opt-out and your employee is injured on the job, you could face a lawsuit and associated legal penalties.
What Injuries are covered by a workers’ compensation policy?
Again, depending on your specific state, the coverage options will differ. But most often, worker’s compensation will cover any work-related injury that happens on the workplace premises and results in an injury. As long as the accident was non-intentional, does not happen in a fight, and is not emotionally traumatic, you can be covered.
More than this, worker’s compensation will cover you if you are sued for:
- Gross Negligence
- Malicious Intent
- Failure to promote
- Wrongful termination
In any case like this, you can receive full coverage. Call Texas Insurance today to find out how we can help you implement a workers compensation policy for your business.
Worker’s compensation will protect your business by helping to provide benefits to employees that have injuries, and it will help limit your overall liability if a lawsuit is brought against your business. Overall, you should want to keep your business and your employees protected. You can do this by utilizing a workers compensation policy.
While the laws in your state may say you have options, Texas Insurance always recommends that you keep yourself protected.
Book an Appointment
Overall, Texas Insurance wants to help you operate your business effectively. By making sure you’re covered in more ways than one, you prevent your business from gaining potential monetary losses.
Call our team today at 281-398-1010 to find out how we can help you best. We will work with you and lead you to an agent that can assess your business’s needs as a whole. From there, we’ll match you with a company that fits your budget and comprehensive plan needs.
Don’t forget that Texas Insurance is your best option when you want League City TX workers comp insurance for small business.
League City TX Fun Facts:
- This is the only community in the area with a revenue stream specifically dedicated to amateur athletics.
- The third-largest boating anchorage in the United States
- League City is home to Big League Dreams Sports Park
- For more information, please visit our official website.