Automobile dealers of Texas count on us to bring them a solid Workers’ Comp plan
New and pre-owned car dealerships as well as gas stations, auto repair shops, car washes, auto sales & service, and many other classes, count on us to bring them a comprehensive plan. Our specific knowledge of the industry is importance to underwriting specialty niche markets. We understand it and we deliver. We strive to bring our clients a well balanced affordable plan from our solid relationships with top-rated carriers in the business.
As with any policy underwritten by one of our markets, the coverage itself is only the beginning. Our carriers will assist you in coordinating strategic loss control plans; efficient return-to-work programs, claim reviews, and other risk management services that help mitigate your clients’ Workers’ Comp costs.
Why do I need Workers’ Comp?
It’s important to understand that Texas doesn’t require most private employers to have workers’ compensation insurance. Employers who choose not to have workers’ comp are called nonsubscribers. Nonsubscribers must: (1) file an annual notice with DWC; (2) post notices in their personnel offices and workplaces; and (3) tell each new employee in writing that they don’t have workers’ compensation.
Injured employees can sue nonsubscribers over workplace injuries and illnesses. If they’re sued, nonsubscribers can’t argue in court that: (1) the injured employee’s negligence caused the injury; (2) another employee’s negligence caused the injury; or (3) the injured employee knew about the danger and voluntarily accepted it.
Who regulates the Workers’ Compensation Plan?
Texas Department of Insurance regulates this insurance program and that helps people with work-related injuries and illnesses.
Employees covered by workers’ compensation get medical care necessary to treat their injuries and illnesses. Depending on the type and severity of the injury, workers’ compensation may also provide: (1) payments to replace some of an injured employee’s lost income, up to time and dollar limits set by law; (2) compensation for burial expenses for employees killed on the job; and (3) death benefits for dependents of employees killed on the job.
Workers’ compensation doesn’t pay for injuries that:
- are intentional or self-inflicted;
- result from horseplay or voluntary drug or alcohol intoxication;
- are inflicted by someone for personal reasons unrelated to the job;
- result from voluntary participation in off-duty recreational, social, or sports events; or
All of these cost-containing elements help to secure better premiums and a safer work environment for your Insured.
We are proactive in our efforts to see that ever client get the best experience possible.
Want to learn more?
Call US: 800-580-4135 (toll free)