Protect Your Business with Workers Compensation Insurance
Workers Compensation Coverage Designed for Texas Businesses
Your employees are one of your greatest assets. Workers Compensation Insurance helps protect both your workforce and your business by covering workplace injuries, medical expenses, rehabilitation costs, and lost wages. Southwest Commercial Insurance provides customized Workers Compensation solutions for businesses throughout Austin, Dallas-Fort Worth, Houston, San Antonio, and surrounding Texas communities.
Workplace accidents can happen in any industry, from construction and manufacturing to retail and professional offices. Without the right coverage, a single injury could lead to significant medical expenses, lost productivity, and unexpected legal costs.
Workers Compensation Insurance helps businesses manage these risks while ensuring injured employees receive the support they need to recover and return to work safely.
A Workers Compensation policy may help cover: Coverage varies based on your policy and business operations.
Hospital & Emergency Care
Helps pay for emergency treatment, hospitalization, ambulance services, and other immediate medical care after a workplace accident.
Rehabilitation & Physical Therapy
May cover rehabilitation programs, physical therapy, and other treatments that help injured employees recover and return to work safely.
Partial Replacement of Lost Wages
Provides partial wage replacement when a covered work-related injury or illness prevents an employee from working during recovery.
Medical Treatment for Work-Related Injuries
Covers reasonable medical expenses for employees injured on the job, including doctor visits, medications, surgery, and follow-up care.
Ongoing Disability Benefits (When Applicable)
May provide temporary or permanent disability benefits for employees whose covered injuries result in lasting limitations.
Employer Legal Defense for Covered Claims
May help cover legal defense costs and related expenses if an employer faces eligible claims arising from a covered workplace injury.
Who Needs It
Who Needs Workers Compensation Insurance?
Professional Offices
Contractor
Service Businesses
Restaurants
Retail Stores
Healthcare Providers
Warehousing & Distribution
Construction Companies
Landscaping Companies
Manufacturing Businesses
No matter your industry, protecting your employees helps protect your business.
Pricing
What Affects Your Insurance Cost?
Workers Compensation premiums are determined by several factors, including:
Number of Employees
Industry Classification
Payroll Size
Claims History
Job Responsibilities
Business Operations
Our experienced advisors help ensure your employees are classified correctly so you receive accurate pricing and appropriate coverage.
Why Choose Us
Why Choose Southwest Commercial Insurance?
At Southwest Commercial Insurance, we understand that every business faces different workplace risks. We work with multiple insurance carriers to compare coverage options and help you find a policy that fits both your business needs and budget.
With us, you'll benefit from:
Customized Workers Compensation solutions
Competitive insurance rates
Multiple carrier options
Experienced commercial insurance advisors
Responsive customer service
Ongoing policy reviews as your business grows
Click And Learn
Medical expenses
Fatal injury compensation
Lawsuits
Lost income
Rehabilitation
Medical expenses coverage
Risk Factors
A painter falls off a ladder while working on a ceiling and breaks a leg. His workers’ compensation policy pays for the ambulance ride to the hospital, surgery, medications, and physical rehabilitation.
Solution
When an accident happens at a workplace, workers’ compensation covers the cost of immediate care, such as an ambulance ride or an emergency room visit. It also helps pay for surgical procedures, medications, hospital stays, and ongoing care.
Compensation for fatal injuries coverage
Risk Factors
An electrician accidentally touches a live wire, goes into cardiac arrest, and dies. The electrical company’s workers’ comp policy covers the cost of the funeral and burial. It also provides financial support to the electrician’s spouse and children.
Solution
When a work-related incident is fatal, workers’ compensation pays death benefits that cover funeral expenses and help support the deceased individual’s family.
Lawsuit coverage
Risk Factors
A chef in a restaurant suffers third-degree burns while trying to put out a grease fire. She blames the restaurant for failing to provide a fire extinguisher and adequate safety training. The case goes to court; the restaurant's workers' comp policy pays for the cost of hiring a lawyer and the eventual settlement.
Solution
Workers' compensation insurance typically includes employers' liability insurance. This policy protects the employer from a lawsuit claiming a worker was injured by the employer's negligence. If an employee sues, it can help pay for the attorney's fees, court costs, settlements, or judgments.
Lost income coverage
Risk Factors
An HVAC installer accidentally lowers an air-conditioner unit on his foot and breaks several bones. The installer has to stay off his feet for a month, which prevents him from working. The installation company’s workers’ comp policy pays part of the wages that would have been earned during the month of missed work.
Solution
A serious injury can prevent an employee from returning to work for days, weeks, or even months. Workers’ compensation often pays for part of the wages lost while an employee is recovering from a workplace injury or occupational illness.
Rehabilitation coverage
Risk Factors
Your disabled employee may also receive a Transferable Skills Analysis. This helps find other roles for them where they can learn new skills and work with their disability.
Solution
Workers’ comp can help cover your employee’s ongoing care. This includes ongoing physical therapy or vocational rehabilitation to help them learn new skills to return to work in a different role. Workers’ comp can even help cover any further training and certifications.
Request Your Workers Compensation Quote
Whether you're hiring your first employee or reviewing an existing policy, Southwest Commercial Insurance is here to help. Our team will guide you through your coverage options and help you protect your employees, your business, and your financial future. Contact us today for a free Workers Compensation Insurance quote tailored to your business.
