Business Insurance

from Bibby Brilling / Arden Insurance

Business Insurance

Workers’ Compensation coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.

A commonly overlooked exposure for companies who employ mostly office workers is the potential injury to employees while driving their own vehicles on company business. This could be as simple as an employee driving to a sales call, the bank or office supply store. If you have employees, it is critical that you consider this important coverage.

Our agency can help your business find complete solutions to your unique workers' compensation insurance needs. Solutions that create safer and more productive workplaces, more confident and secure workers and overall savings you'll see on the bottom line.

Some of our coverage solutions can include:

  • Innovative payment systems
  • Medical disability case managers
  • Utilization management nurses
  • Certified life care planning nurses
  • Vocational rehabilitation consultants
  • Physician consulting services
  • Legal staff
  • Contracts with medical network providers
  • Managed prescription drug program

NonSubscription – the Texas Alternative

Nonsubscription is a Texas employer’s occupational injury benefit plan that is in compliance with the Employee Retirement Income Security Act of 1974 (ERISA). This is NOT a workers’ compensation coverage. Texas is the only state that allows most private employers to elect to be covered by the state’s workers’ compensation laws or to “nonsubscribe.”

Why would an employer choose to nonsubscribe?

There are several reasons employers take the nonsubscription route, such as, if the employer believes he/she is paying too much premium for workers’ compensation. Another reason may be that the employer has decied that he/she wants to have more control and ownership of their occupational claims.

A responsible Nonsubscriber can:

  • Exert positive control over occupation loss experience when their Plan is properly designed and administered.
  • Control direct expenses such as medical costs because many plans allow the employer to choose the treating physician for his/her Plan; therefore creating a more open communication with the treating physician.
  • Require immediate notice of injury instead of allowing employees as much as one year to report an occupational injury or illness. The less time that passes between the incident and action to correct any injury can save substantial amounts in money and employee absence.

While Texas prohibits any agent for recommending only alternative coverage, it is important for an employer to know that there are options available. For more information, please call our office at 214-521-8030 or email us.

To find out more about this product and other products and services, contact us today.