Texas Workers Compensation Insurance-Workmans Compensation

Texas Workers Compensation Insurance Rules

Texas Workers Compensation Insurance

1. Does my Texas business need workers compensation insurance?

Texas employers, except for governmental entities and construction contracts for governmental entities, may choose whether or not to possess workers compensation insurance.Employers choosing not to obtain workers' compensation insurance coverage are considered "non-subscriber," and must notify their employees and the Texas Division that you do not have workers' compensation insurance. However, if you do decide to become a subscriber of workers compensation insurance,various laws require employers to post notices at the workplace.

2. Are there any exemptions in Texas for workers compensation insurance?

Since carrying workers copmensation insurance is optional in Texas there are no exemptions for workers compensation coverage.

3. Does Texas workers compensation law have specific requirements for sub-contractors/contractors and sole proprietors?

Again, since carrying workers compensation insurance is not compulsory, there is no need to dilineate any differences. Except for sub-contractors/contractors who engage in contracts with government and public entities.

Latest Texas workers compensation insurannce rates effective 1/1/2008

these rates may very from carrier to carrier

CLICK HERE

Employee Leasing and Staffing Companies

Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers compensation policy. Leasing companies handle your payroll, w-2 forms, unemployment and workers compensation claims. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage, based on my experience, is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies who in many cases offer deep discounts on your workers compensation coverage that you will not find from standard workers compensation insurance carriers.

USL&H & The Jones Act

We have excellent workers compensation programs for these specialty risks requiring this endorsement. If you are unsure and want to read either the USL&H or Jones Act I have provided helpful links below for you convenience. I have found them to be the most detailed and good resources on the laws.

If you need a quote that requires this coverage

Click Here for a USL&H Quote Click here for the complete USL&H Act , courtesy of Cornell University.
Click here for: USL&H Web Site - Dept of labor

Read the complete text of the Jones Act here.

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