Occupational Accident insurance is a type of insurance that employers participate in when that employer chooses not to participate in Workers Compensation.
Occupational Accident insurance is an Accident and Health insurance policy which provides coverages for medical, disability and death or dismemberment. Employers may actually choose not to participate in Workers Compensation, BUT must file a form each year which indicates that the employer is not participating in Workers Compensation (http://www.tdi.state.tx.us/forms/dwc/dwc005nocov.pdf).
There are other forms which need to be filed when an injury occurs http://www.tdi.state.tx.us/forms/dwc/dwc7.pdf) and forms to indicate that Workers Compensation is not covering the employees of the employer and these forms must be placed in conspicuous locations where the employees can observe the forms on a regular basis (http://www.tdi.state.tx.us/forms/form20employer.html)
Some employers choose not to participate in Workers Compensation and believe that their employees, who have coverage with their spouse, is covered for job related injuries. This is not the case. Unless the coverage specifically states that job related injuries or 24 hour coverage is part of the group policy, work related injuries are not covered.
Fill out the online form to get a quote. Online quote.
To apply for the Occupational Accident coverage without employer's liability, fill out the following form.
Application for Occupational Accident Insurance without Employer's Liability.
To apply for the Occupational Accident coverage with employer's liability, fill out the following form.
Application for Occupational Accident Insurance with Employer's Liability
To view the Highlights of this policy, CLICK HERE.
Call me at 1-800-234-8049 so the form can be completely filled out and submitted.
