Workers’ Compensation in Aransas Pass, TX

Workers’ compensation (also called workers’ comp) is an insurance program that provides medical and income benefits to employees who suffer work-related injuries or illnesses. While required of employers by most states, Texas does not require private employers to carry workers’ compensation insurance.

Is Workers’ Comp Ever Required in Texas?

While private employers aren’t required by the state to carry workers’ comp, many still elect to do so for various reasons. Furthermore, employers who contract with government entities are required to provide workers’ comp.

How Can Workers’ Comp Benefit Employees and Employers?

Employees covered by workers’ comp insurance may receive the following benefits:

• Income benefits—These can include temporary or long-term wage replacement.

• Medical benefits—These can include doctor visits, surgeries, prescriptions, or other care related to treating an injury or illness from the workplace.

• Death benefits—This can include funeral costs and compensation to dependents if a workplace incident results in the death of an employee.

Employees aren’t the only ones who can benefit from a workers’ comp policy. Employers who carry this coverage are generally shielded from lawsuits by injured employees through the policy’s employers liability coverage. Disputes are also often handled through the Division of Workers’ Compensation (DWC) instead of civil court.

Contact Us

It’s important to discuss the risks and insurance needs of your business with an insurance professional. The team at On the Coast Insurance Agency in Aransas Pass, TX can help you decide if a workers’ compensation policy suits your needs and budget. Contact us today for more information.