At Texas Partners Insurance Group, we represent several
different workers compensation carriers. We specialize in providing
Texas businesses with affordable workers compensation rates. Finding
your company the best rates for your insurance needs has been our primary
goal since our companies inception.
Does my Texas business need workers compensation
Texas employers, except for governmental entities and
construction contracts for governmental entities, may choose whether or not
to possess workers compensation insurance. Even though Texas law does not
require coverage, your customers may require it in order to do business, so
it is important to take this into consideration. Employers choosing not to
obtain workers compensation insurance coverage are considered
"non-subscriber," and must notify their employees and the Texas Division
that you do not have workers compensation insurance by posting written
notice in the personnel office. Notices must be in English, Spanish, and any
other language necessary and must be in the wording and format detailed in
TDI-DWC (Notice-5). If a notice is not correctly posted, the employer will
be liable for any administrative violations. Notices also need to be in
place if you do decide to become a subscriber of workers compensation
Employers who do not carry Texas Workers Comp for their
employees risk being personally liable for all medical bills from ANY
accident in addition to significant governmental fines.
For Texas contractors, having proof of Workers
Compensation Insurance is usually required to be a subcontractor with a
larger general contractor. Proof of Workman's Comp coverage is provided by a
Workers Compensation Certification.
Let Texas Partners Insurance Group help you with your
Workers Compensation coverage.
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