Are you confused about the choices you have for protecting your employees and your business in the event of an on-the-job accident? Unlike businesses elsewhere, Texas employers have options concerning whether or not to carry workers compensation insurance. Many businesses in the Lone Star State do carry workers compensation insurance, a no-fault insurance product that pays expenses related to an on-the-job accident. Others, however, choose non-subscription solutions. ISB Insurance can help you find the right solution for your business.

Workers Compensation Insurance

Our insurance experts have found that workers compensation insurance often saves employers money and resources in the long run. Through our extensive network of insurance carriers, ISB Insurance has attractive workers compensation packages that include features such as

• Disability case managers
• Physician consultations
• Vocational rehabilitation
• Utilization management nurses
• Life care planning
• Legal staff
• Contracts with medical network providers
• Innovative payment options
• Managed prescription drug programs

Nonsubscription

Once an employer fully understands the benefits of workers compensation insurance as well as the risks of on-the-job injury, Texas law may allow you to participate in nonsubscription as an alternative. This program is an occupational injury benefit plan that complies with the Employee Retirement Income Security act of 1974. Your insurance agent can help you determine if your company is eligible for this option. Some small businesses with high workers compensation insurance premiums find nonsubscription to be a money-saving alternative, especially as it offers employers more control concerning on-the-job injury claims.

All companies are unique, and your corporate decisions should be based on information relevant to your business. At ISB Insurance, we never peddle one-size-fits-all insurance solutions. To learn more about customizable solutions for your business, fill out our online information form today. You can also call our office during business hours to speak with one of our insurance professionals. Let us take care of your business insurance so you can focus on doing the work you enjoy.

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