It’s tough dealing with workers’ compensation claims when you don’t have someone experienced on your side helping you make the right decisions. Workers’ compensation isn’t just a benefit. It’s a right. If you don’t hold up your end of the bargain, you could face massive penalties and potential lawsuits.
NetPEO can connect you with a Texas PEO with experience in workers’ compensation services. We’re one of the largest PEO networks in the nation. Whether your company has one employee or 1000 employees, we have the resources to help you.
When Is Workers’ Compensation Required in Texas?
Most Texas employers are actually not required to carry workers’ compensation insurance, but you won’t be able to recruit outstanding talent if you don’t have it. Savvy workers want to know that they have recourse should they get injured on the job.
There are two exceptions. If you enter a building or construction contract with a government entity, you must have coverage. Public or educational employers must also carry coverage. Most businesses choose to get coverage because going without it carries risks.
Workers’ compensation creates a path for injured workers to get compensation without taking their employer to court. If your company doesn’t have it, you can get sued directly by your employer. The costs of damages and attorney’s fees can far outweigh the costs of premiums!
What Benefits Can I Provide My Workers with Workers’ Compensation?
There are four kinds of benefits workers could get when they have a successful workers’ compensation claim:
- Medical benefits: Payment for all necessary medical care for their work-related injury or illness
- Income benefits: Replacement of some of the money employees lose because of their injury or illness. These could be temporary or lifelong, depending on the injury.
- Death benefits: Should your employee die, death benefits pay their family part of their income, usually 75% of the deceased average weekly wage.
- Burial benefits: Payment for funeral expenses if they die from injury or illness on the job.
Don’t think that your office-based business doesn’t have to worry about injured workers. Workers’ compensation covers things like repetitive stress injuries caused by office work and freak accidents that can happen all the time.
What Injuries Aren’t Covered by Workers’ Comp in Texas?
All injuries and illnesses may have a claim if they happened as part of the employee’s job, even work-related travel. Yet, there are four cases where workers’ compensation doesn’t cover injuries. These cases are:
- Injuries caused by horseplay and roughhousing
- Injuries caused by willful criminal acts
- Injuries caused by self-harm
- Injuries caused by intoxication from drugs or alcohol
How Does Hiring a PEO Help Me with Workers’ Compensation?
First, you’ll have an expert team of HR professionals on your side to handle your claims and ensure you stay compliant with all regulations. The Texas Department of Insurance will watch to make sure you’re doing what you should. A PEO can shield you from penalties.
Another benefit is that PEOs pool their client’s employees together to get better deals on benefit prices. If you’ve looked into workers’ compensation insurance and found it too expensive, working with a PEO can lower the costs because there are more employees in the pool.
NetPEO’s co-employment solutions can help you beyond workers’ compensation costs. This pooling benefit gives you access to far better rates for benefits. Excellent benefit packages are a top consideration for the best talent on the market.
My Business is Dangerous. Can You Still Cover Me?
We know some industries like construction and meatpacking carry a far higher risk of injury than other professions, but we are up to the challenge of finding the best workers’ compensation insurer for your needs. Some of the many industries we’ve helped include:
- Professional services
This is just a small sample of the niches we’ve helped. By using our brokerage service to connect you with PEO solutions in Texas, we’ll find the ideal PEO partner to meet your needs.
Other PEO Services We Provide
In addition to workers’ compensation services in Texas, our PEOs can offer you popular services like:
- Payroll administration
- Recruitment strategies and onboarding
- Administering other benefits
- Lowering your company’s risk profile from regulations
Speak with NetPEO to learn about our full range of services. If you have an HR or payroll issue you don’t know how to tackle, we have a solution to help you.
Learn More About PEOs and Workers’ Comp Benefits in Texas
Once you have a Texas PEO on your side to help with workers’ compensation, you get the benefit of peace of mind. When an employee comes to you with an injury claim, you won’t have to worry about getting sued. You can let your PEO handle the claim while you get back to work.
Your employees will also have peace of mind knowing they have a route to get compensation for workplace injuries. Lawsuits are expensive for both sides, and employees want to know that their employer offers this basic benefit that’s required in most states.
Don’t open yourself up to workers’ comp lawsuits. Get the professional help you need to administer workers’ compensation services with one of our Texas PEOs. NetPEO offers free quotes on our services.
Call our office at the number on your screen, or fill out the form on our contact page to get started. One of our representatives will contact you within 48 hours.