Workers’ compensation is a state-regulated insurance system that pays the medical bills and some lost wages of employees injured on the job. Texas doesn’t require most private employers to have workers’ compensation insurance. Employers who don’t offer workers’ compensation coverage are called nonsubscribers.
Nonsubscribers lose important legal protections, including immunity from most lawsuits by injured workers. They could also be forced to pay high damage awards if an injured employee can prove in court that the employer was negligent in any way.
If an employer has workers’ compensation insurance, Texas law limits the employer’s liability for work-related injuries. Injured employees may get medical and income benefits set by state law but may not sue their employers.
Employers without workers’ compensation could be forced to pay punitive damages if they lose injury lawsuits. They also lose certain common-law defenses, such as arguing that
Employers that do not carry workers’ compensation coverage must file DWC Form-005 annually with the Texas Department of Insurance. A written notice must also be posted at the workplace telling employees that they do not have workers’ compensation insurance. For more information and copies of the notices – CLICK HERE .
9/2/2021 05:35:22 am
Some states require employers pay for workers’ comp through a monopolistic state agency.
11/1/2021 10:12:48 pm
I do agree that it is important for us to ensure our employees have workers compensation insurance to ensure that they are protected. The other day my son mentioned he is going for several job interviews. I will definitely encourage him to ask about workers insurance to ensure he is protected.
4/6/2022 03:59:41 am
I appreciated how this post shared that employers with no workers’ compensation could be coerced to settle disciplinary damages if they fail injury lawsuits. My friend got into an accident while doing his job. He is demanding compensation, so I think he should hire a workers comp lawyer to help him win the case.
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