Workers’ Compensation Insurance is a state-regulated insurance policy devised to compensate workers who have become injured on the job or contract a work-related illness. The policy is also designed to cover an employer’s potential liability arising out of the employee’s work-related injury or illness.Texas is the only state that does not require most private employers to have workers’ compensation insurance.
Employers not providing workers’ compensation insurance coverage are referred to as ‘non-subscribers’. There is no direct substitute for workers’ compensation insurance. Workers’ compensation insurance is a no fault coverage, which means that the insurance policy will compensate employees for work related injuries or illness regardless of fault. In return for this guarantee, an employee gives up their right to sue the employer. If an employer is a non-subscriber, the injured employee retains the right to sue his or her employer and only has to show 1% negligence of the employer.
Texas Restaurant Association members are eligible for consideration in the TRA Safety Group, a workers’ compensation program in partnership with Texas Mutual, the state’s leading provider. Texas Restaurant Association combines your business with other restaurants to provide upfront premium discounts and job-specific safety resources. Learn more on our workers compensation page, or call Tim Sekiya, TRA Director of Insurance at 800.395.2872.