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Coverage Options
Need workers' compensation insurance coverage?
Here's a quick overview of program options. To find out more,
call your insurance agent, or call us at (800) 859-5995.
Three Basics
| Small Business Injury Protection Plan |
For businesses whose annual premiums are less than $5,000. |
| Cornerstone® Program |
For businesses whose annual premiums are more than $5,000. |
| Start Program |
For businesses with high-risk operations or that have suffered serious
losses in the past. We can often assist these businesses in improving workplace safety,
which may later help them find coverage in the voluntary market. |
Please click here to find
out more about how we calculate workers' compensation premiums.
Other Options
| Group Discount Programs |
For businesses that want to join others in their industry to earn a group discount on their premium. |
| Texas Star NetworkSM option |
For policyholders with locations in network service areas that want a medical network focused
on getting injured employees well and back to work. Most policyholders who choose our workers' comp health care network option will receive an annual network premium discount. |
| Deductible
Policies |
For businesses that want to reduce premiums by assuming part of the
financial responsibility for claim expenses. |
| Coverage for Nonsubscribers |
For businesses that currently are not participating in a workers'
compensation program. Deciding whether to obtain coverage? Read the
FAQs about providing coverage and
learn about the dangers of being a nonsubscriber. |
| Other States Coverage |
For Texas-based businesses with operations in other states, Argonaut Insurance will cover the non-Texas exposure for accounts written by Texas Mutual Insurance Company. Ask your agent for details. |
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