Workers’ Compensation Insurance in Sulphur Spring, TX
Workers’ compensation insurance may help provide benefits to employees who suffer work-related injuries or illnesses. These benefits typically cover medical expenses, lost wages and rehabilitation costs.
Texas has some distinct characteristics when it comes to workers’ compensation insurance: 
- Non-mandatory coverage—Unlike most states, Texas does not require private employers to carry workers’ compensation coverage.
- Employer liability—Employers who opt out of workers’ compensation coverage can be held liable for workplace injuries and may face lawsuits from injured employees.
- State regulation—The Texas Department of Insurance, Division of Workers’ Compensation (DWC), oversees the state’s workers’ compensation system. Employers who do not provide workers’ comp insurance must inform their employees and the Texas Department of Insurance.
Benefits for Employees
Workers’ compensation coverage in Texas offers several benefits to employees who are injured or become ill due to their job:
- Medical coverage—It may help pay for necessary medical treatment related to the injury or illness.
- Income benefits—It may help provide partial wage replacement for employees who are unable to work due to their injury.
- Rehabilitation services—It may help cover costs for physical therapy and other rehabilitation services to help employees return to work.
- Death benefits—It may offer financial support to the dependents of employees who die because of a work-related injury or illness.
Choosing the Right Coverage
Selecting the appropriate workers’ compensation policy is essential for protecting your business and employees. Your agent can help evaluate the risks associated with your business operations and the potential impact on your employees.
Contact Us
Workers’ compensation coverage is a vital component of workplace safety and financial protection in Texas. Contact Giles Insurance Agency in Sulphur Spring, TX, for a workers’ compensation insurance quote.