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Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.
In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.
Unlike sites programmed to provide free insurance quotes online, we get a real person (an expert agent) on the job. Every. Single Time.
Our quotes are still delivered confidentially, fast and for free. They're just more customized to you, your business, and your family.
You tell us a little about you and what you need, and we get going. And if we know we can't find you better coverage and rates than you already have, we'll send you on your way.
You get a direct line to your own insurance consultant: a real person who loves what they do and will communicate with you how you like, whether by email, phone or text.
Their goal: to learn about your needs, help you save money & time, manage your claims, & present you with policies that give you the best coverage at the lowest rates. Now, and as you grow. Services are custom, unbiased, free, and only for Texans.
Finding the right insurance can be confusing and complicated. Even car insurance. Every one is different.
Whether you're shopping insurance for a new driver, a high risk driver, your entire family, your business, your beloved 20 year old Honda, or your new luxury car, we can quote plans from multiple carriers to create a custom insurance package specific to you.
We sell pretty much every kind of insurance except for health insurance. That means we can help shop for and manage your car, home, life, and business insurance. That way, when life happens and you need to file a claim in any of these arenas, you can always call your one trusted FACT insurance guy or gal for advice and assistance.
We only partner with carefully selected insurance carriers we respect and trust to fulfill their promises and provide the coverage our clients need.
Our insurance company partners have policies designed to cover residents and businesses throughout the state of Texas.
We know Texas insurance. We're licensed, independent agents who have studied and sold insurance in Texas for over 20 years. Additionally, we've worked with thousands of clients, and have worked to get to know each and every one.
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Our services are free. Our goal is to help you find the Goldilocks of plans: no more and no less than you need.
We've helped Texans find and get the most out of their insurance policies for over 20 years. Our reviews on Google average 4.8 out of 5 stars, which we believe is a reflection of our policy to always put our clients first.
We're a small business of licensed, independent agents who continuously work to stay up-to-date on insurance best practices, carriers, and regulations in Texas.
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