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Almost all states are "open market", which means the coverage is underwritten by private insurers; and some states are "closed" or "monopolistic" - the coverage is underwritten by a state-sponsored fund (ND, OH, WA, WV, WY). In states that are open, rates can vary between insurance carriers depending on the type of business the carrier is attempting to attract. In an open market, the rates for workers' compensation are competitive.
Employers with one or more employees are subject to the provisions of their states Disability Benefits Law. This law provides benefits to employees who may be become disabled because of injuries/sickness off the job or that may arise from other conditions such as pregnancy. Payments for these types of benefits are only allocated for the payment of wages... unlike that of workers’ compensation which provides payment for medical costs.
Rates for these policies are dependent on the degree of hazard that each occupation carries. Each occupation is coded and defined by state laws. Premiums are determined by the amount of payroll in each occupation code and is subject to annual audit for verification..
More About Workers Compensation Insurance
About Workers Compensation Insurance
Request a free and Workers Compensation insurance quote. We have lots of experience and are here to serve you.
We are experienced in writing Workers Compensation Insurance Policies. Let us help you get the right coverage for your business at a great price.
Click the below button to request a Workers Compensation Insurance Quote.
Workers Compensation protects your employees should an injury occur during the course of employment. Payments are made to the injured party and can consist of medical payments, loss of wages or therapy.
All states require all employers to carry Workers' Compensation insurance and each state has individual laws that must be met.
At the very minimum, Workers' Compensation insurance policies will cover an employee's medical expenses and reimburse him or her for some percentage of lost wages.
Workers Compensation Insurance
Metro: 1-713-641-1234
Baytown: 1-281-427-6511
Deer Park1-281-479-5248
Harris County Insurance
Offices in Houston, Baytown, and Pasadena Texas.
AGENCY LICENSE # 3664
Note: As stated in our "Terms of Service" (TOS) agreement, descriptions of insurance coverage on this web site are for informational purposes only and may not apply, or be included on your policy. Please contact us to confirm coverage provided on your insurance policy or policies your are contemplating purchasing.