Texas is a state that allows an option to not purchase workers’ compensation coverage, regardless of the number of employees, company size, or type of business

It is estimated that approximately one-third of all Texas employers are nonsubscribers. The Texas Labor Code prohibits public entities, maritime and FELA employers, and businesses who participate in government construction projects from being nonsubscribers. Nonsubscribers, however, can be found in almost every other segment of our business community.

Employers choose nonsubscription for a variety of reasons:

• High cost of workers’ compensation insurance premiums.
• Escalating medical costs; workers’ compensation lifetime medical benefits.
• More effective medical and disability management of employee injury claims.
• Significantly increased claim closure and liquidation rates.
• Required 24-hour or end-of-shift reporting.
• No collateral requirements.
• Typical savings of 40-70 percent over workers’ compensation overall costs.

Most savings under nonsubscription will come from the fact that employers will have greater control over most aspects of the injury process. The ability of employers to direct employees to medical providers that understand nonsubscription reduces the extent of lost time from work yet provides the employee with the appropriate care and quality medical treatment.

For a quote complete the Fax-A-Quote form and submit to oa-wc@gwevans.com.