Workers Compensation

Click here to download the “Fax-a-quote form”

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.