Businesses face substantial operating liabilities, some of which might result in occupational injuries to their employees. Occupational injuries occur across industries and professions, and when they occur, they often cause severe financial strain to the injured party. It’s at this point that their employer can offer assistance through a quality workers compensation program.

No business’s risk management strategy is complete without workers compensation insurance, and Crossland Coverage is committed to helping every client find the policy solutions that will effectively protect every El Paso business owner.

To get your benefits started, call us today or just request your free policy quote online.

• East El Paso Office: (915) 629-0274
• West El Paso Office: (915) 584-5480

Common Workers Compensation Questions

 

How Does Workers Compensation Work?

When someone gets hurt at work, they could experience numerous problems, including high medical bills, significant recovery periods, ongoing disabilities and a loss of their ability to work. This could cause both a downturn in or a termination of their regular income, while increasing their financial burden as it relates to their medical needs.
Workers compensation insurance is designed to offer those caught in these challenging situations the financial support they need. It provides supplementary income which can assist the injured party with medical costs and regular expenses related to everyday life.

What Does Workers Compensation Cover?

Numerous injuries can qualify an employee for workers compensation. These include:

• Slip-and-fall injuries
• Machinery injuries
• Burns
• Repetitive motion injuries
• Toxic exposure injuries
• Injuries sustained in commercial vehicle accidents

At the time an injury occurs, the injured employee will follow a claims process to document their injury and ultimately determine what benefits the claimant will receive. The injured party will continue to work with both the employer and insurer to verify their ongoing qualifications for benefits. 

In certain cases, death benefits will be available to an employee’s survivors if that employee dies as a result of their injuries.

Is Workers Compensation Insurance Required In Texas?

Texas’ workers compensation system does not require any business to carry workers’ compensation benefits. However, state law also makes employers liable for employee injuries, even when those injuries are an accident. 

Therefore, employers that do not carry this coverage will face the risk of having to compensate an injured employee out-of-pocket, and they are substantially at-risk of injury lawsuits. As a result, though workers compensation insurance might be optional, businesses should still consider it essential.

What Does Workers Compensation Insurance Cost?

With the assistance of your workers compensation insurance agent at Crossland Coverage, you can determine the policy that will best fit within your overhead budget. We are committed to helping all Texas employers find a policy that will always keep them financially secure.