Workers Compensation Information
Workers Compensation - Texas
Workers’ compensation is crucial to your company’s business insurance plan. Contact Remco today to get a personalized quote for this essential coverage.
What Is Workers’ Compensation?
Workers’ compensation is a type of insurance that benefits employees who are injured or become ill due to their job. This insurance is designed to protect both employees and employers by providing a system for employees to receive benefits and medical care for work-related injuries while also protecting employers from lawsuits related to workplace injuries.
Workers’ compensation benefits typically include payment for medical expenses related to the injury or illness and a portion of the employee’s lost wages while they cannot work. In cases where the employee is permanently disabled or unable to return to work, workers’ compensation may also provide long-term disability benefits.
What Types of Injuries Are Covered by Workers’ Comp?
Workers’ comp insurance typically covers injuries or illnesses stemming from employment. Workers’ compensation may cover the following conditions:
It’s important to note that workers’ compensation may not cover all injuries on the job. Generally, injuries that occur outside of work hours or outside of the workplace may not be covered.
The specific requirements and limitations for workers’ compensation coverage vary by state, so it’s essential to consult with a workers’ compensation lawyer or insurance professional to understand your rights and obligations under the law.
- Accidental injuries—This includes injuries that result from a specific event or accident, such as a slip-and-fall or a work-related vehicle accident.
- Repetitive motion injuries—This includes injuries that develop over time due to repeatedly performing the same motions, such as carpal tunnel syndrome or tendonitis.
- Occupational illnesses—This includes illnesses caused by exposure to hazards in the workplace, such as respiratory conditions caused by exposure to toxic chemicals or lung disease caused by inhaling dust or other airborne particles.
- Mental health conditions—This includes mental health conditions caused or exacerbated by work-related stress or trauma, such as post-traumatic stress disorder (PTSD) or depression.
- Pre-existing conditions: Workers’ compensation may also cover pre-existing conditions worsened or aggravated by work-related activities.
Who Is Required to Carry Workers’ Compensation Insurance?
California law requires employers to provide workers’ compensation benefits to their employees, whether they have one employee or many—regardless if they are part- or full-time. Workers’ comp must also cover family members of the employer as well as temporary and seasonal workers.
It’s important to note that some industries, such as construction and healthcare, may require additional workers’ compensation coverage in California. Failure to carry workers’ compensation insurance when required by law can also result in significant penalties and legal liability for employers.
Contact Remco in Austin, Texas, to learn more about California’s workers’ compensation insurance requirements and get a quote.