What You Need to Know about Workers Compensation Frisco TX

 

The state of Texas doesn’t requirworkers compensation frisco txe most private employers to carry workers compensation Frisco TX. There are exceptions. Private employers who are government contractors must provide workman’s comp, and some clients may require contractors to have workman’s comp.

Generally speaking, worker’s comp provides protection for employees who are injured in an on-the-job accident.  When an employee is injured and the business they work for has workmen’s compensation insurance Frisco TX,he or she will receive compensation no matter who was at fault. The employee receiving these benefits doesn’t have the right to sue the company in court for damages.

According to the Texas Department of Insurance, workers compensation Frisco TX pays part of an employees’ lost wages due to injury and medical benefits to treat the injury. In cases where an employee died on the job, workman’s comp pays burial expenses and may pay lost wages to the deceased employee’s family.

Worker’s comp won’t pay for injuries related to drug or alcohol use, horseplay or off-duty sports or social events. Self-inflicted wounds or injuries inflicted by another person for reasons unrelated to the job.

Texas employers who don’t offer workmen’s compensation to employees are called non-subscribers. A business choosing not to offer workman’s comp must file a notice every year with the Texas Department of Insurance and give each new employee a written statement of non-coverage. The company must also post notices of non-coverage in the workplace and personnel office.

Employers with workman’s comp avoid lawsuits by injured employees and the families of deceased employees. If a dispute arises, and the employee or his or her family wishes to sue, it must go through the Texas Department of Insurance administrative proves first.

Employers lacking worker’s compensation coverage may be required to pay punitive damages if an employee wins a lawsuit. Without worker’s comp coverage,  a business loses some common-law defenses. They won’t be able argue that the employee or other employees caused the injury by negligent actions, or that the injured employee knew of possible danger and accepted it.

If a business choose to offer workmen’s compensation, it’s important to buy insurance from a company licensed by the Texas Department of Insurance. TDI licensed insurers have coverage from the Texas Property and Casualty Guaranty Association. This organization pays claims for companies that are unable to pay their own claims due to bankruptcy.

It is in the best interest of Texas businesses to avoid lawsuits by purchasing worker’s compensation insurance Frisco TX. Anthony Blackmon Agency, a full-service insurance provider since 2001, can help your business secure the best workmen’s comp coverage for your industry. Fill out the contact form on our website or call us today at 469-362-8484 to learn more about workmen’s compensation insurance for your business.

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Workers’ compensation, also known as workmans’ comp, is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries and illnesses. While the federal government administers a workers’ comp program for federal and certain other types of employees, each state has its own laws and programs for workers’ compensation. For up-to-date information on workers’ comp in your state, contact your state’s workers’ compensation office. (You can find links to the appropriate office in your state on the State Workers’ Compensation Officials page of the U.S. Department of Labor’s website.

In general, an employee with a work-related illness or injury can get workers’ compensation benefits regardless of who was at fault — the employee, the employer, a co-worker, a customer, or some other third party. In exchange for these guaranteed benefits, employees usually do not have the right to sue the employer in court for damages for those injuries.

Workers compensation Frisco TX
Anthony Blackmon Insurance Agency
9191 Kyser Way, Suite 200
Frisco, Texas 75034
(469) 362-8484

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