I've fallen and I can't get up!!!!!!!!!

An employers worst nightmare.  An employee gets hurt on the job and you don't have a Work Comp.  AND, if you're an El Paso business, chances are you DON'T HAVE WORK COMP.  How do I know?  Because over 70 percent of El Paso businesses don't have it. 

Why don't they have work comp?  Price.  Plain and simple.  In  a weak economy, it becomes survival of the fittest.  What many business owners don't know is that there are programs available that provide benefits similar to Work Comp, but don't come with the price tag.  They also don't come with the all the bells and whistles either.  If you don't have Work Comp, you're what's known as a Non-Subscriber.

What is a Non-Subscriber?
Texas employers who elect not to purchase workers' compensation insurance are referred to as non-subscribers. On the other hand, Texas employers who do elect to purchase workers' compensation are referred to as subscribers. Simply put, Texas businesses have more than one option when it comes to providing benefits for on the job workplace injuries.

Why Does An Employer Become Non-Subscriber?
There are many reasons why a Texas employer decides to exercise their option to opt out of workers' compensation. Some of the primary reasons are because the premiums are too high with traditional workers' compensation insurance or they are fed up with fraud and the way medical claims are being handled.

What are Non-Subscriber Insurance Programs?
A responsible non-subscriber can implement a comprehensive program that provides occupational injury benefits to their employees. There are many insurance programs to choose from in today's market place that provide medical benefits, wage replacement benefits, disability benefits and death benefits. Many of the occupational accident plans also provide additional coverage for legal costs, damage awards, duty to defend and more. Quotes for occupational accident programs we offer are available to our agents by request.

What are Other Components to Consider?
In addition to purchasing an occupational accident insurance plan, which provides workplace injury benefits, a responsible non-subscriber also needs to consider workplace safety. This very important element is a must for any employer who elects to become a non-subscriber. It is also important to file the proper forms with the TWCC and post the proper signs that are required when a employer becomes a non-subscriber. These forms are simple to do and are available by request.

Only In TEXAS!
Texas is the only state in the Union where the majority of Texas businesses can elect to non-subscribe. Thanks to our historical fore fathers, this option has been available since 1913. However, there were not many employers who were interested in this option, or even knew about it until around the mid 1980's when workers' compensation cost in Texas escalated to some of the highest in the nation. Today approximately 44 percent of Texas businesses operate as non-subscribers. These employers can be found in almost every segment of today's business community and have employees that range in size from one employee up to thousands.

As always, I'd love to talk to you about Work Comp or other options for you to choose from.  Stay protected my friends!!!