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Occupational AccidentThere IS a solution to Workers' Comp!Before Workers’ Compensation, employees injured in the workplace had no recourse but to sue their employer. Their suit hinged on an employers’ common law obligations: To provide a safe work environment with competent employees and safe equipment; to enforce safety rules; and to warn employees of work related dangers. Texas employers can choose to “opt out” from subscribing to Workers’ Compensation. However, those that do face unlimited liability, including possible punitive damages, if they lose lawsuits arising from workplace accidents. In the event of a lawsuit, they forfeit their right to claim one of the three common law defenses above. Perceived by many as a worthy alternative to Workers’ Compensation, Occupational Accident Insurance is a growing insurance option that provides employers and their employees a degree of protection should a work related injury occur. Occupational Accident Insurance provides coverage for medical costs associated with the injury, disability payments for the injured worker, and a scheduled benefit for accidental death and dismemberment. The employer chooses a benefit period as well as a deductible that is applied to each accident. |
Current Carriers
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