Workers’ Compensation Insurance in San Antonio, TX
By securing the right workers’ compensation insurance policy, businesses can help make sure their employees feel supported, knowing they have financial protection if an accident or workrelated illness occurs. Because these policies involve detailed rules and responsibilities, employers should take an active role in understanding their options and requirements.
Who Is Required to Have Workers’ Compensation?
Although Texas does not legally require all private employers to carry workers’ compensation insurance, many companies may still be subject to mandates. For example, businesses that plan to work on government-funded projects or bid on public contracts may be required to show proof of coverage.
Regardless of formal requirements, even when not legally required, having workers’ compensation can be essential for maintaining a productive and consistent work environment. Employees may feel more confident and secure working for a company that offers financial protection in the event of a workplace injury.
What Does Workers’ Compensation Cover? 
Workers’ compensation insurance is designed to help manage the financial impact of many common workplace incidents. Depending on the policy, coverage may include:
- Medical expenses—If an employee is injured or becomes ill because of their job, the policy may help pay for emergency care, doctor visits, surgeries, medications, and ongoing treatments.
- Wage replacement—Employees who cannot work while recovering may receive partial wage replacement, helping them maintain financial stability during their time away from work.
- Vocational rehabilitation costs—If an employee cannot return to their previous role due to their injury, workers’ compensation may pay for vocational training or assistance in transitioning to a new position.
- Death benefits—Should a workplace incident result in a fatality, the policy may provide financial support to the employee’s dependents, such as funeral expenses and ongoing benefits.
- Business legal fees—If an employee claims the business contributed to their injury or illness and decides to sue, workers’ compensation may help cover the cost of legal defense, settlements or judgments.
How to Secure Coverage
If you want help evaluating your workers’ compensation needs or acquiring optimal coverage, reach out to the team at Bienvenido Insurance. We can help assess your risks, explore policy options and guide you toward a plan that fits your organization.