What Workers Compensation Insurance Doesn’t Cover

Texas workers compensation agent

A qualified Texas workers compensation agent can help you find a policy that covers many different financial risks. For example, your plan could cover wages you pay to the worker while injured, legal fees in case of a lawsuit, and more. However, there are a few things that even great workers compensation policies may not cover.

Third-Party Injuries

Workers compensation is designed to cover employees, but it does not cover costs for other people who could get hurt on your company’s property. If a customer, vendor, or other third-party is injured in the same accident that hurt your employee, you can make a claim against your general liability insurance.

OSHA Violations

A great Texas workers compensation agent can give you the tools you need to make sure you follow OSHA guidelines. However, your worker’s compensation policy may not cover the fees your business incurs as a result of violating these rules.

Cost to Improve Safety

After an accident, you may wish to take steps to keep it from happening again. However, you should not expect your worker’s compensation policy to cover this cost. If you want to save money, you may ask your Texas workers compensation agent if there are policies that could reduce your premiums.

Although these insurance plans do not cover everything, it’s important to have workers compensation insurance to protect your finances.