Our services

Workers’ Compensation Insurance
in Texas

Workers' compensation insurance provides financial protection for employees and businesses in the event of workplace injuries or illnesses. It covers medical expenses, lost wages, disability, and death benefits and can even protect businesses from potential legal actions. Hotchkiss Insurance provides comprehensive and customizable workers’ compensation insurance coverage to protect your possible.

Services Workers Comp Importance

Why is Workers’ Compensation Insurance Important?

Workers' compensation insurance provides financial protection for employees who are injured or become ill while on the job. Without it, employers may be left with the high costs of medical expenses, lost wages, and potential legal fees if an injured employee files a lawsuit.


By having workers' compensation insurance, both employers and employees are protected and can have peace of mind knowing they are covered in case of a workplace injury or illness.

Get Started

What Does Workers’ Compensation Insurance Cover?

Workers’ compensation insurance covers various workplace injury or illness expenses. Some of the coverage options include:

Medical Expenses

dropdown-arrow

This includes doctor visits, hospital stays, surgery, prescription medications, and other medical services.

Disability Benefits

dropdown-arrow

This includes temporary disability benefits that cover lost wages for a limited time, as well as permanent disability benefits for long-term or permanent injuries.

Indemnification for Lost Wages

dropdown-arrow

If an employee is unable to work due to a workplace injury or illness, they can receive compensation to cover a portion of their lost wages during their recovery period.

Compensation for Fatal Injuries

dropdown-arrow

If a workplace injury results in the death of an employee, workers’ compensation insurance can provide compensation for funeral expenses and benefits for the employee’s dependents.

Lawsuits Related to Workplace Injuries

dropdown-arrow

If an employee decides to sue their employer for a workplace injury or illness, workers’ compensation insurance can cover the legal fees and costs associated with the lawsuit.

How Workers’ Compensation Insurance can Benefit You?

Workers Comp Regulation icon

Compliance with State Regulations

Most states require employers to carry workers' compensation insurance, and failure to comply with state regulations can result in fines and legal consequences. While workers’ compensation insurance is not required in Texas, having it can help ensure the financial security and well-being of your business. By having workers' compensation insurance in place, you demonstrate a responsible approach as an employer. It can also provide protection against lawsuits related to workplace injuries, reducing the financial burden and potential reputational damage to your business.

Workers Comp Care icon

Medical Care for Employee Recover After an Injury

This can include doctor visits, hospital stays, surgery, prescription medications, and other medical services necessary for an employee’s recovery.

Workers Comp Temporary icon

Temporary Disability Benefits

If an employee is unable to work due to a workplace injury or illness, workers' compensation insurance provides temporary disability benefits to cover lost wages during recovery.

Workers Comp Disability icon

Permanent Disability Benefits

For long-term or permanent injuries, workers' compensation insurance provides permanent disability benefits to cover lost wages and ongoing medical expenses.

Workers Comp Death icon

Death Benefits

If a workplace injury results in the death of an employee, workers' compensation insurance provides death benefits to cover funeral expenses and benefits for the employee’s dependents.

Services Workers Comp Who Needs

Who Needs Workers' Compensation Insurance?

While workers' compensation insurance is not required for most private employers in Texas, it is still highly recommended. This type of insurance offers financial protection for both employers and employees in case of a workplace injury or illness. It's a wise investment for any business and can help prevent financial loss due to medical expenses, lost wages, and potential legal fees.

Services Workers Comp Risks

What are the Risks of Not Having It?

Without workers' compensation coverage, employers may face high costs to pay for medical expenses, lost wages, and legal fees if an injured employee decides to sue.

Without this coverage, employees may not receive the financial support they need to cover their medical expenses and lost wages. With workers' compensation insurance, employers and employees are protected in the event of a workplace injury, and the financial risks are significantly reduced.

Why Hotchkiss?

  • CUSTOMIZED COVERAGE

    With 50 years of experience, we deliver tailored insurance solutions that meet your unique needs.

  • FRIENDLY TEAM OF EXPERTS

    Our knowledgeable staff provides unparalleled guidance and support at every step.

  • COMPREHENSIVE OPTIONS

    We have access to a wide range of coverage options to find solutions that make sense for you.

  • PROACTIVE PARTNERSHIPS

    We view every client relationship as a partnership, working collaboratively to protect your possible.

Services Workers Comp Why Hotchkiss
Frequently Asked Questions

Services Workers Comp FAQ

Is workers’ compensation insurance required by law in Texas?

dropdown-arrow

In Texas, most private employers are not required to have workers' compensation insurance. However, private employers who contract with government entities may have to provide workers' compensation coverage for the employees working on the project.

What if an employee is injured outside of work?

dropdown-arrow

Workers' compensation insurance generally only covers injuries or illnesses that occur in the workplace or because of job-related activities.

Are independent contractors eligible for workers' compensation insurance since they are not classified as employees?

dropdown-arrow

There are situations in which the Texas Workforce Commission may consider certain independent contractors as employees. In such cases, employers should verify the employment status of their independent contractors with their claim advocates to ensure compliance with the applicable regulations. There are also some states that allow independent contractors to opt-in to coverage voluntarily.

How much does workers’ compensation insurance cost?

dropdown-arrow

The cost of workers' compensation insurance can vary depending on several factors, including the size of your business, the industry you operate in, and the specific risks involved. Working with an experienced insurance broker can help you determine the most cost-effective coverage options for your business.

How long does it take to process a workers’ compensation claim in Texas?

dropdown-arrow

The time it takes to process a worker's compensation claim can vary depending on the complexity of the case and the specific circumstances involved. Generally, it is important to report the injury or illness as soon as possible and work closely with your insurance provider throughout the claims process.

Does workers' compensation protect against employee lawsuits?

dropdown-arrow

Workers' compensation insurance can provide protection against employee lawsuits related to workplace injuries or illnesses. In most cases, employees are barred from suing their employer for work-related injuries or illnesses covered by workers' compensation insurance.

Can I purchase workers’ compensation insurance on its own?

dropdown-arrow

Yes, workers' compensation insurance can be purchased as a standalone policy or as part of a larger insurance package. It is important to work with an experienced insurance broker to determine the best coverage options for your business.

Workplace accidents can happen to anyone. Are you prepared?

Get a Quote