INSURANCE ADVISORSYour employees help keep the business moving. A workers’ compensation review considers their duties, work locations, and the consequences of a job-related injury or illness.
Texas workers’ compensation provides benefits for qualifying work-related injuries and illnesses, including medical care and certain income benefits. Eligibility and benefit rules apply. Employers’ liability is another part of the policy to review, with its own terms and limits.
Most Texas private employers are not required to carry workers’ compensation, but exceptions and contractual requirements matter. Government projects can require coverage for employees on the work. Choosing not to subscribe also has legal consequences and notice obligations. Discuss your situation with Wave and obtain legal advice where needed.
Provide estimated payroll and a clear description of duties for each group of employees. Discuss how you keep payroll records and how a premium audit can reconcile estimated and actual exposure. Tell us about new roles, seasonal staff, subcontractors, and changes in the type of work.
Confirm how owners and officers are treated rather than assuming they are included. Bring customer agreements, waiver requests, and any requirements involving subcontractors. If employees work across state lines, discuss the states and activities before the work starts.
Know where and how to report an injury promptly, and keep the insurer’s instructions available to supervisors. A general liability policy or an occupational accident arrangement should not be assumed equivalent to statutory workers’ compensation. Benefit eligibility depends on the circumstances and applicable rules.
These illustrative scenarios show the questions a coverage review can raise. They are not claim decisions or promises of payment.
An employee reports a back injury while moving inventory. The review starts with whether it is a qualifying work injury and the employee’s coverage status. Follow the insurer’s reporting process and let the claim be evaluated on its facts.
A business considers work on a government project. Before agreeing to the insurance requirements, review coverage for employees assigned to that project, required documentation, and any requested endorsements. Do not wait until work has begun.
Wave serves Dallas and Fort Worth, surrounding cities and counties, and clients across Texas. We’ll help you review your needs, compare available options, and understand the questions to ask before choosing coverage.
No. Most private employers have a choice, but exceptions and project requirements apply. Review the Texas Department of Insurance guidance and your contracts before deciding.
No. Texas does not treat alternative accident coverage as statutory workers’ compensation. The benefits and legal protections can differ, so compare the actual arrangements carefully.
It can change when payroll, classifications, or other rating information changes. Ask how audits work and what records you should keep throughout the policy period.
Further reading: Texas Department of Insurance: workers’ compensation guide ↗