February 3, 2020
According to the Texas Department of Insurance, 177,977 Texans were injured on the job in 2018.
For a business – any business – workers’ comp coverage is a necessity. It’s an essential resource that helps your company in many ways, including some you might not have considered. Workers’ comp coverage protects your business from potentially devastating medical, legal and rehabilitation costs. It protects your employees by making sure they get the care they need if they’re injured on the job, and provides their families with financial assistance and support during the recovery period. Workers' comp benefits the entire crew by helping prevent future accidents, enabling job training and replacement personnel, and getting your workers back on the job sooner.
Getting workers’ comp coverage from Texas Mutual isn’t just the right thing to do, it’s the smart thing to do. It provides your business with numerous advantages, including:
Assistance and expertise
Nallely Villanueva (left) stays safe on the job at KPost Roofing & Waterproofing. Read Nallely's story.
After an accident, you should expect guidance, immediate care for your employee, an individualized return-to-work program, and preparation for OSHA inspections and audits.
Dividends
As a Texas Mutual policyholder, you will be eligible for our dividend program, which rewards businesses that keep their workers safe and losses low.
Productivity
Coverage reduces lost time due to an accident, which can help stabilize productivity and output.
Safety resources
We give you access to safety resources, information and training materials that can help prevent workplace accidents.
Recruitment and retention
Having coverage helps you attract and keep good employees.
Business opportunities
In many cases, workers’ comp coverage is required when
contracting with certain businesses or government agencies.
By any measure, workers’ comp coverage makes your business stronger. It’s a valuable resource for your business and Texas Mutual provides additional advantages through our Safety Group program. The program offers 28 different safety groups based on industry, and members are selected based on their safety record and other criteria. Qualifying businesses receive a premium discount, the opportunity to earn additional dividends and enhanced access to industry-specific safety information. If you’re interested in joining a Texas Mutual Safety Group, your agent can provide additional details on the membership process.
Dividends are based on performance and are not guaranteed.