Texas, unlike other states, does not require an employer to have workers' compensation coverage, which is both a blessing and a curse. By opting not to secure proper insurance coverage, you leave your business at great risk.
If any injury happens to an employee on the job, who is going to pay for medical expenses, loss of wages and legal costs? These costs can be crippling to any business. Luckily, without state mandated coverage, you have options other than work comp. Occupational accident is an affordable alternative that can offer comparable coverage including loss of wages, injury, death benefits and legal expenses.