Although the Texas Department of Insurance has a workers’ compensation division, Texas employers are not required to opt into a workers’ compensation plan like other states are. Private employers in Texas can choose whether or not to carry this particular type of insurance, while specialized industries and government jobs are required to provide workers’ compensation insurance. This does not mean that employers can opt-out of providing insurance altogether. Texas employers who choose not to provide workers’ compensation must file with the Texas Department of Insurance to get non-coverage status. Employers that fail to report injuries at the workplace may face violations and penalties.
For a free legal consultation with a nonsubscriber workers compensation lawyer serving Dallas, call 800-863-5312
There is much benefit to carrying workers’ compensation, such as various legal protections from lawsuits and high compensation awards. Many employers see workers’ compensation as a financial benefit. Other employers see workers’ compensation as a costlier insurance system than they need, which is why these employers can become non-subscribers. If you work for a company that does not provide workers’ compensation insurance, than you may be able to receive punitive damages from your employer if you win an injury lawsuit. Employers also are susceptible to non-economic damage payments if their employees can prove negligence or carelessness.
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