Nonsubscription Coverage Results in Millions of Dollars of Savings for Texas Businesses: 

All on-the-job injury insurance is not the same, especially if you are in Texas.  NonSubscription coverage provides coverage similar to Workers Compensation, but allows the employer more control over the claims process.          

In Texas, even though a workers compensation program is not required, those businesses wanting to provide occupational injury benefits to their employees have two options. One choice is through participation in the state managed workers compensation system. A second choice allows businesses to administer their own benefits by nonsubscribing or opting-out of the state system. The option to nonsubscribe affords Texas businesses the choice to manage their own occupational injury programs producing advantages for their employees as well as the company.                                    

It is estimated that 33 percent of Texas employers are nonsubscribers providing them the option to put in place effective safety, medical, and rehabilitative programs for their employees. Because of the focus employers place on the workers well-being and the personalized nature of most of their services, employees in nonsubscription programs have historically rated satisfaction with their occupational injury program higher than their counterparts in the workers' compensation system. 

Through the coordination and efficiencies that they provide, nonsubscription programs provide businesses millions of dollars in savings which they can, in turn, invest in their employees, their operations, and their communities.

How does being a Nonsubscriber differ from being a subscriber to Workers Compensation?

Elimination of fraudulent claims, by employee or health provider, is generally easier as a nonsubscriber. If you purchase workers' compensation, it is a violation of the law to force the employee to the doctor of your choice.  As a nonsubscriber, no such prohibition exists.  In fact, direction of employees is a key fraud-fighting tool.

As a subscriber to workers compensation, an employer is prohibited from involving him/herself in the claims process. In workers compensation, the employer's responsibilities are delegated to the employees medical provider (who may not be a licensed physician) employers physician (in the event of a dispute), a claims adjuster, the employee, and finally the employer. The process is heavily stacked in favor of the employee and employee’s physician. As a non-subscriber, the employer may be as involved as he or she deems necessary. 

Third, to deny a claim as a subscriber, the insurer must be able to prove the employee was not injured during the course and scope of employment.  This is especially difficult on alleged non-witnessed injuries. As a nonsubscriber, the employee can be required to prove he was injured during the course and scope of employment.

What is needed for a Quote for Workers Compensation or Nonsubscription Coverage?

- Company Name, Address, Phone #

- Contact name, phone #, Email

- Company FEIN# (or SS# - if sole proprietor)

- # of employees

- Employee Payroll (broken down by employee duties)

114,000 Businesses in Texas are Nonsubscribers

Some included are:

  Continental Airlines

Luby’s Cafeterias