WHY?

They save 20-50% in premium costs vs. Workers Comp.

Join more than 1/3 of Texas employers today!

·                    Take control of your employee occupational accident plan and reduce fraud

·                    Send employees to doctors of your choice or doctors in a provider network

·                    Require employees to seek second-opinion evaluations if necessary

·                    Expert assistance with safety plans, loss control, training and more

·                    Mandatory Arbitration Agreement prevents lawsuits

Q.        What is Non-subscription?

A.        Texas is the only state in the US which does not have mandatory workers compensation for employers.  Employers may choose to go bare (have no coverage) or set up their own program for reimbursing injured workers for wages and medical.  The Comprehensive Employer’s Indemnity Policy provided thru the Combined Group provides such coverage and includes reimbursement for weekly disability or wage replacement, accidental medical benefits, accidental death and dismemberment, legal liability protection, defense costs reimbursement and other allocated expenses to investigate and handle these claims.

Q.        What if the employer is sued?

A.        Legal liability and defense costs are coverages within this policy.  Further, the Mandatory Arbitration Agreement provided with the policy is designed to protect the insured employer by subjecting the claims of its employees to binding arbitration, preventing employees from pursuing a lawsuit against the employer.

Q.        What about other employer liability?

A.            Although the CEI policy only provides liability coverage for on-the-job injuries, the Mandatory Arbitration Agreement covers all types of disputes between the employee and employer, including discrimination, harassment, retaliation and wrongful discharge claims.

Q.        How difficult is it to become a non-subscriber?

A.        It’s a simple three-step process:

            1)            File the form TWCC-5 with the Texas Dept of Insurance annually

            2)            Post the required non-subscription form on your bulletin board

            3)            Advise your employees

Call Jeff at 713-498-6360 today for your no obligation quote, and join the 38% of Texas employers who have already become non-subscribers and are enjoying savings of 20-50% vs. workers comp!