(No fault employee protection) Employers’ Liability.
Protects employees injured/becoming ill while working.
Individual states mandate amount of compensation benefits.
Said benefits include medical expenses, death benefits,
lost wages and vocational rehabilitation. Event an employee
chooses not to accept state mandated compensation benefits,
they have the right to file suit on their employer. The
Employers’ Liability section of the policy will
respond on behalf of employer.
Most states require employers to purchase coverage either
through a recognized insurer or the states own operated
Texas gives employers the choice to purchase coverage,
however, Texas employers who choose not to provide this
*Five states and territories are monopolistic states and
mandate that all employers must obtain coverage through
the states own operated fund.
- File an annual notice of no coverage with the Texas
Workers’ Compensation Commission (TWCC)
- Prominently display English and Spanish notices
of no coverage in personnel office and throughout
the work place.
- Give a written statement of no coverage to each
new employee when hired.
- Report Workers’ Compensation claims to TWCC.
Employers not providing coverage are still liable for
workers who suffer workplace injury or illness. Not having
Workers’ Compensation Insurance, even if allowed
by a particular state, does not relieve the employer of
financial responsibility for injured employees and can
leave an employer exposed, not only to paying these benefits
out-of-pocket, but also to paying penalties levied by
UNDERWRITING INFORMATION REQUIRED
TO OBTAIN A QUOTATION
*North Dakota, Ohio, Washington, West Virginia, Wyoming,
Puerto Rico, U.S. Virgin Islands.
- Completion of Accord Application and Supplemental
- Three year loss run from current insurance company.
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