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One Agency. Multiple Insurance Companies.
Shopping for workers' compensation insurance shouldn't mean calling company after company. As an independent insurance agency, Dear Insurance Agency can compare workers' compensation coverage and pricing from multiple insurance companies for you.
More Options
We shop multiple insurance companies instead of offering workers' compensation coverage from just one.
Business-Focused Service
Work with a real insurance professional who can help you understand workers' compensation coverage for your employees and business.
Here When You Need Us
From payroll and employee changes to questions about your policy, you'll have someone you can call.
What Does Workers' Compensation Insurance Cover?
Workers' compensation insurance can help protect employees who are injured or become ill because of their work while also helping protect the business from certain costs associated with workplace injuries. Coverage commonly includes:
Medical Expenses
Can help pay for necessary medical treatment related to a covered work-related injury or illness.
Lost Wages
May provide a portion of an employee's lost income when a covered injury prevents them from working.
Rehabilitation
Can help cover certain rehabilitation services needed for an employee recovering from a covered workplace injury.
Disability Benefits
May provide benefits when a covered work-related injury results in temporary or permanent disability.
Death Benefits
May provide benefits to eligible family members when an employee dies as the result of a covered work-related injury or illness.
Employer's Liability
Can help protect the business from certain lawsuits related to employee work-related injuries that may not be covered by workers' compensation benefits.
What Can Affect the Cost of Workers' Compensation Insurance?
Workers' compensation insurance costs can vary significantly from one business to another. Insurance companies consider several factors when determining your coverage options and premium.
Your Employees & Payroll
The number of employees, their job duties, and your total payroll can have a significant impact on workers' compensation costs.
Your Business Operations
The type of work your employees perform and the risks associated with your industry help determine how employees are classified and rated.
Your Claims & Insurance History
Previous workplace injuries, claims history, experience modification, and other underwriting factors can affect your premium.
Frequently Asked Questions About Workers' Compensation Insurance
What does workers' compensation insurance cover?
Workers' compensation insurance can help cover medical expenses, lost wages, rehabilitation, disability benefits, and other benefits resulting from covered work-related injuries or illnesses.
Is workers' compensation insurance required in Texas?
Texas generally does not require most private employers to carry workers' compensation insurance. However, some employers may be required to provide coverage because of government contracts or other requirements.
How is workers' compensation premium calculated?
Premium is generally based on factors including employee payroll, job classifications, the type of work employees perform, claims history, and other underwriting factors.
Does workers' compensation cover business owners?
Coverage for business owners can depend on the type of business and the policy. We can help determine whether an owner should be included or excluded based on the available options.