Workers’ Compensation Insurance in El Paso, TX

A slip on a wet floor, a repetitive strain injury from months of physical labor, a fall from a ladder on a job site: these are real situations that happen to real workers every day. If an employee gets hurt on the job, workers’ compensation insurance may step in to help cover the costs, and it can keep a difficult situation from becoming a financial crisis for you and your employee. 

Who May Benefit from Workers’ Compensation Insurance?

Workers’ compensation insurance can be valuable for most businesses with employees, and in many states, it is legally required. Some examples include:

• Contractors and construction crews working in physically demanding environments
• Retail or restaurant staff who spend long hours on their feet
• Office workers who may experience repetitive motion injuries
• Small business owners with just a handful of part-time employees

Even if your team seems low-risk, workplace injuries can happen in nearly any setting. Requirements vary by state, so checking your local regulations is a smart first step.

What Does Workers’ Compensation Insurance Cover?

Coverage can vary by policy, but workers’ compensation typically includes medical expenses related to a work-related injury or illness, a portion of lost wages while an employee recovers and rehabilitation costs when ongoing treatment is needed. Employer liability coverage may also be included, which can help if a worker brings a claim related to a job injury.

How Much Does a Policy Cost?

There is no single price for workers’ compensation coverage. Premiums are typically based on your industry, payroll size, claims history and the type of work your employees do. Higher-risk industries generally pay more than office-based businesses.

An agent from Horizon Insurance can gather quotes from multiple carriers and discuss your state’s requirements without any pressure to commit.

Talk to Our Team

If you have any questions about workers’ compensation insurance in Texas, contact Horizon Insurance today to speak with one of our agents or request a custom quote.