To request a Workers' compensation and or
an occupational accident, download the "Fax-a-quote form" and
fax it to (972) 463-5885. (Remember to
sign it!)
If you need Workers' compensation or an occupational accident
insurancemakesmesick.com can help you find coverage to suit your company's
unique needs.
Questions to consider...
Do I have to have workers' compensation insurance?
Employers in Texas have always had the choice of
“opting out” of workers comp. In fact, an employer can reject workers'
compensation completely and “go bare,” paying no benefits whatsoever
to injured employees. However, we do not recommend this path, and believe
that non-subscription should be a responsible alternative, in which
employers are encouraged to manage their costs and provide a safer
workplace.
What are the advantages of opting out?
In general, employers in Texas who “opt out” of
workers compensation are better able to direct the care of injured
employees, are given a financial incentive to provide a safer workplace,
and can avoid the frustration of dealing with uncaring or unresponsive
state agencies or health care providers. Non-subscriber employers can
participate in the decision to send an employee to a certain doctor,
whether to pay a claim, whether an employee is eligible for benefits,
whether light duty work is available, and even whether a claim is valid at
all. Non-subscriber employers can also receive a direct return on their
effort to increase workplace safety, both in reduced premiums and a
reduction in claims. Employee morale may also improve when hard working
employees see that “malingerers” are not permitted to take advantage
of the system and collect on suspicious injuries.
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