Workers Compensation in New Braunfels, TX and Surrounding Areas
Protecting Employees in San Antonio and Austin, TX
No job is without its occupational liabilities, and at times any employee could get hurt just when they’re trying to do their job. As a result, they might face significant personal losses that might threaten them with financial insecurity. It’s at this point that their employer should be able to step in to provide workers’ compensation benefits.
Workers’ compensation insurance is not something that any business should be without if they want a strong risk management strategy. Let Texas Risk Solutions help you find the policy that will be customized for your company’s unique needs. Call us today at 210-426-3053 or request your free policy quote online to learn more!
Workers Compensation tailored to your Business
Workers compensation is not a unilateral solution, which means that from business to business, this type of insurance is different. In fact, it should be completely customized to each individual enterprise. At Texas Risk Solutions we tailor every workers compensation policy and/or package we write to the needs of individual businesses, and this is essential. We’ll assess your needs in great depth, get to know your business, and identify coverages that ensure that your business has the insurance that it needs.
Workers compensation often covers injuries, medications, and treatments that workers require. There are specific stipulations for when and how workers receive medications and treatments and what benefits workers receive in general. We’ll go over all of these with you and ensure that you’re well aware of what your insurance provides.
Common Workers Compensation Insurance Questions
What is Workers Compensation Insurance Coverage?
When someone sustains an occupational injury, they could face significant personal challenges, such as:
Medical bills caused by emergency treatment and ongoing care
Temporary or permanent disabilities that require rehabilitation and maintenance
Lost income resulting from their inability to continue to work
All these challenges could create a lot of financial insecurity for the victim. Because the injury occurred on the employer’s time, then it is the employer’s workers compensation insurance that can provide the necessary financial assistance.
Who Does Workers Compensation Insurance Cover?
Workers compensation insurance has two primary objectives:
Having a policy frees the employer from liability for employee accidents in most cases. By agreeing to take workers compensation benefits, the employee waives the right to sue the employer over their injury, except in certain circumstances.
The employee will be able to use their workers compensation benefits as supplementary income throughout their recovery period. Benefits will help replace the money lost from their inability to work in their normal capacity.
When Is Workers Compensation Insurance Required?
All employers in Texas must carry workers compensation insurance, with limited exceptions. Both full- and part-time employees qualify for coverage.
How Does Workers Compensation Insurance Work?
There are numerous injuries that might qualify an employee for workers compensation, including:
Depending on the employee’s qualifications for coverage, workers compensation might provide:
The employee must receive verification of their injury from a physician (of their choice) and file the appropriate documentation with their workers’ compensation claim. At this time, the insurer will follow Texas’s workers’ compensation guidelines to determine both the value of benefits and the length of time for which the recipient will qualify for assistance.
Working with Texas Risk Solutions
We’ve been insuring businesses for workers compensation for years, and we know how to create a completely-protective and affordable solution. We help you understand all of your options and then help you select the options that fit best. For example, if you think you might need occupational accident insurance instead of workers compensation, we can tell you that workers compensation protects you in a much greater fashion than occupational accident. Also, we can tell you if you’re wondering whether or not health insurance covers enough in order for you to not have workers compensation, that the two types of insurance are completely different and that each type does not protect in the same ways that the other does. Both types of insurance are important and you need both.
Additionally, we manage risk and claims which means that we proactively help you find ways to reduce costs associated with risk. We help you develop and implement safety measures for your workers and we help you develop and implement education procedures for getting your employees acquainted with best practices that can keep the employees safe. If and when claims are filed, we support you throughout resolution processes and ensure that you not only get paid by insurance companies but that you get resolutions that are as suitable as possible.
We provide ongoing education for you, which means that if and when trends in insurance and/or your industry change, we know about the changes and we help you understand how these changes affect your policy and/or package. We also stay current on markets, and we inform you of what we find out. This way, you know what to expect from your coverage and from a claim, if and when a claim is filed.
We’re fully available and can be reached whenever and however you need us. Via text, email, phone, and/or one-on-one interactions, we’re available.
Please contact us or give us a call to learn more or to get started. If you’re ready to begin on a policy, feel free to request a quote.
Texas Risk Solutions is proud to provide workers compensation insurance in San Antonino, Austin, Dallas, Boerne, New Braunfels, and Houston, TX. We also serve other areas in the state.'