Workers’ Compensation
Learn why thousands trust us with their Workers’ Compensation Policies
Workers’ Compensation
Our team at The Nitsche Group understands the need to protect your business and the employees who help you be successful. We’re here to help provide you the coverage options you require.
Since 1949, we have provided Texas companies with workers’ compensation policies. With our extensive experience serving businesses like yours, you can count on The Nitsche Group to offer you the service and experience we have given our clients for decades.
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Fill out and submit the form below to have one of our representatives contact you about your coverage options.
Workers' Compensation Protection
Workers’ compensation coverage is intended to protect your employees in the case of a work-related injury or illness. The policy can replace a portion of an employee’s income from a compensable injury, provide legal protection for damages in work-related incidents, and pay for medical care to treat workers for compensable injuries. Policy costs are typically determined by the risk level jobs of your employees, your company’s overall safety record, and the risks associated with employment.
Call one of our representatives today to discuss coverage options!
What is Workers’ Compensation Insurance?
Workers’ compensation insurance, also known as workman’s comp or workers’ comp, provides your employees benefits if they experience a work-related injury or illness. These benefits can help:
- Cover their medical care
- Replace most of their lost wages if they take time to recover
- Provide disability benefits
- Pay for their funeral if they lose their life
Workers’ comp insurance also has benefits for you, as a business owner. If your injured employee or their family sues your business, it can help cover your legal costs.
Why Your Business Needs Workers’ Comp
While the state of Texas may not require employers to provide workers’ compensation, it is still a critical component to the safety and stability of your company. In the case of workplace injury, it is far more important to take a proactive rather than a reactive approach. Not only can workers’ comp provide protection to the employer, but it can also allow the company to responsibly look after its employees.
Promote safer working conditions while protecting your business in the process with coverage from a workers’ compensation policy.
Workers’ Compensation FAQ
Is Workers’ Compensation insurance required in Texas?
Texas does not require private employers to carry workers’ compensation insurance. However, not having Workers’ Compensation insurance can open the employer up to financial and legal liabilities including personal injury lawsuits from employees who are injured on the job.
For more information, visit the Texas Workforce Commission website.
What information do I need to file a claim?
Before filing a claim, you’ll need to gather a lot of information. The actual information you’ll need can vary. Some general information an employer and employee may need to include when filing a claim includes:
- Company information (account number and location, policy number)
- Injured employee information (name, date of birth, address, phone number, Social Security number, age, gender, etc.)
- Details of the incident (date of incident, type of injury, exact body part injured, the cause of injury, estimated number of days the employee will lose, anticipated return date, any witnesses, etc.)
Once the necessary information is collected, you should file the claim with your insurance company as soon as possible.
What Is Not Covered by Workers’ Comp?
- Injuries received off the clock or pertaining to acts unrelated to work
- Injuries resulting from the employee’s horseplay
- Injuries received during willful criminal acts
- Injuries sustained while under the influence of alcohol or drugs.
- Injuries received during voluntary participation in an off-duty recreational activity
- Injuries an employee inflicts on themselves / self-injury
When should I file a claim if an accident occurs?
You should report a workplace injury or illness as soon as possible if:
- The injured person is an employee of your business
- The employee became sick or was injured due to their work or job-related duties
- If the employee gets hurt in the workplace