Workers’ Compensation (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 fund.

Texas gives employers the choice to purchase coverage, however, Texas employers who choose not to provide this coverage must:
  1. File an annual notice of no coverage with the Texas Workers’ Compensation Commission (TWCC)
  2. Prominently display English and Spanish notices of no coverage in personnel office and throughout the work place.
  3. Give a written statement of no coverage to each new employee when hired.
  4. Report Workers’ Compensation claims to TWCC.
*Five states and territories are monopolistic states and mandate that all employers must obtain coverage through the states own operated fund.

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 the state.

  • Completion of Accord Application and Supplemental Exhibit E.
  • Three year loss run from current insurance company.
*North Dakota, Ohio, Washington, West Virginia, Wyoming, Puerto Rico, U.S. Virgin Islands.
If you choose to use the "Printable Forms" please fax the completed forms to: 1-805-237-0690.

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