Commercial - Workers Compensation

Workers' compensation — explained

Workers' compensation helps pay for medical care, lost wages, and rehabilitation when an employee is injured on the job. It also provides important employer protection when workplace injuries lead to disputes, legal pressure, or extended time away from work.

If you run a hands-on operation—service teams in the field, crews working around equipment, people lifting, loading, driving, installing, stocking, or working on a production floor—workers' comp isn't optional in practice. One injury can impact production schedules, service capacity, morale, and your pricing for years.

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Ways to save money on your workers comp insurance

You don't want to pay more than you have to - Here are ways we can save you money on workers comp while keeping the right protection in place.

Average reduction in claims frequency when a prevention program is in place

Average dollars saved for every $1 invested in an effective workplace safety program

Percent claims costs can be reduced by when a return-to-work program is in place, reducing claim duration

What's covered vs. what's not?

While you may think Texas is a state where workers comp isn't required, not having it still leaves your business completely exposed. Here are a few coverages to keep in mind when thinking of getting workers comp:

What's Covered?

Medical treatment
Lost wages
Rehab and return-to-work support
Coverage if you're involved in a hit-and-run
Work-related injuries
Injuries tied to machinery
Defense support

What's Not Covered?

Intentional self-inflicted injuries
Off-the-clock injuries
OSHA fines/penalties
Injuries that should be covered under a different entity (wrong payroll)

Quick info about workers' comp in Texas

Workers comp can be confusing. Here are answers to some of the most common questions so you can feel more confident about your coverage.

Workers comp that works

Nobody wants a claim. The best comp program reduces injuries before they happen and responds fast when they do.

Safety programs that reduce claim frequency

We help you implement practical tools: onboarding checklists and safety benchmarks—simple systems that actually get used.

OSHA-ready operations and documentation

Better documentation can mean fewer repeat incidents and smoother claim handling. We help you build a clean safety narrative that underwriters respect—training logs, written programs, incident response plans, and role clarity.

Return-to-work strategy that protects your mod

The fastest way to stabilize workers' comp costs is controlling the duration of claims. We help you structure light-duty options, reporting workflows, and supervisor playbooks that support recovery and reduce long claim tails.

Helping you understand workers comp insurance through blogs

Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.

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