Commercial coverage
Workers’ Compensation and Employer’s Liability.
Saws, material handling, forklifts, lifting, finishing and installation can produce serious employee injuries.
Classification accuracy matters
Separate shop, yard, driving, installation, clerical and sales payroll where records support the split. State rules and carrier requirements control classification.
Texas deserves special attention
Many private Texas employers can choose whether to subscribe, but nonsubscription can expose the employer to employee lawsuits and reduced common-law defenses. Occupational accident is not statutory Workers’ Compensation.
Experience modification is not the whole story
Payroll accuracy, classification, claim frequency, return-to-work practices and open reserves all influence the account. Review loss runs early enough to correct factual errors and explain improvements.
Multi-state work needs advance discussion
Employees who travel, deliver or install in another state may create workers’ compensation and employer-liability questions. Report new states before work begins.
Talk with a specialist