When You Need Workers' Compensation Insurance

Workers' Compensation Insurance

When you run a business, there are several insurance policies you need to protect your investment. One of the most essential policies your company should have in place is a workers' compensation insurance policy to cover your workers in the case of injury while on the job.

Understanding Workers’ Comp

Even if you operate a business that includes no inherent dangers to your employees while on the job site, a workers' compensation policy is a must. It protects workers as well as business owners from perils that may arise at the office during work hours. It covers costs that arise from workers getting sick or injured while on the job, as well as costs for litigation if the company is sued for negligence.

While it is not mandatory for all companies in Texas to purchase workers’ compensation insurance for their workers, those in the construction industry and similar types of work that involve higher-than-normal levels of danger are required to do so.

When to Get Workers’ Compensation for Your Company

For companies that want to protect their business as well as their employees, group policies for workers’ comp insurance typically are available at a lower price for bulk coverage. It is advisable to have a workers’ comp policy in place before you open for business to allow your company to operate without fear of incurring huge expenses due to an employee's medical bills in the case of a job-related accident.

Who to Contact for Workers’ Compensation Insurance in Texas

When you are running a business in Texas and want to give your employees the benefit of workers’ compensation insurance, it is best to get in touch with the experts from Quote Commercial. We tailor all types of policies to business owners, including commercial liability, commercial auto, and commercial property.

To get the coverage your business needs today and to find out what policies you need for your company, simply contact us online or give us a call at 844-331-7076.