If you have an employee, you should have workers’ comp insurance. This insurance covers businesses for their statutory and legal obligations for employee expenses that are a direct result of on-the-job injuries and/or illnesses.
Under Texas law, to limit an employer's liability the company must provide workers' compensation insurance coverage obtained from a licensed insurance company or by being certified to self-insure by the Division of Workers' Compensation. (This option is available only to large employers who meet stringent requirements.)The benefits of providing workers' compensation insurance?
- The insurance pays all reasonably required medical bills for a work-related injury.
- The insurance pays lost wages and compensates the employee for permanent impairment caused by a compensable work-related injury.
- If an employee is killed on the job as a result of a compensable injury, workers' compensation insurance pays benefits to qualifying beneficiaries and covers actual burial costs, up to $6,000.
- Workers' compensation insurance protects employers against lawsuits by injured employees and pays legal defense costs and indemnity (payment for losses) in gross negligence death cases.
- Workers' compensation insurance benefits society by helping injured employees and their families, instead of forcing them into the welfare system.
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