In most states, employers must provide workers’ compensation insurance for their employees. Workers’ compensation insurance can protect both employers and employees in the event of a workplace injury. If an employee is covered by workers’ compensation, the employer can receive compensation for his or her medical expenses and time off work in the event of a workplace accident. Also, the employer cannot be sued for the employee’s injuries.
Texas is one of the few states that does not require employers to participate in a workers’ compensation insurance system. That means that the employer is not required to pay out the money for premiums for workers’ compensation insurance, but if an employee is injured on the job, the employer could be sued.
There are strong incentives for employers to have workers’ compensation insurance. If an employer fails to provide workers’ compensation and an employee is injured as a result, the employer could end up bankrupt. However, there have been complaints that Texas’s workers’ compensation insurance system is both expensive and not very effective. Therefore, some employers have chosen not to provide workers’ compensation insurance and instead run the risks of potentially being sued by an injured employee.
As personal injury attorneys, we encounter employees who were injured on the job regularly. If you were injured on the job, you should speak with an attorney. Call today to learn more or to schedule a free consultation.