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Understanding Occupational Accident

Texas Nonsubscription

Texas is currently the only state that allows employers to elect not to provide Worker's Compensation coverage to their employees. This election is known as opting-out or more commonly nonsubscription. Employers can become responsible nonsubscribers when they combine an exemplary workplace safety program with a comprehensive nonsubscriber injury benefit program.

The nonsubscriber market requires a flexible carrier able to provide effective solutions.

GWI understands the issues related to nonsubscription and can provide effective solutions to reduce employer risk. The team at GreenWood International Insurance Services, Inc. has been providing innovative solutions to nonsubscribing Texas employers since 1993. GWI's Occupational Accident program provides, Medical, Disability and Accidental Death and Dismemberment benefits to employees of nonsubscribing Texas employers that have had an on the job injury. GWI will evaluate the risk components and provide terms that meet the needs of the client.

Trucking Risks

As part of our mission to provide resourceful risk management solutions, GWI now has the capabilities to offer Medical, Disability, and Accidental Death and Dismemberment benefits to motor carriers that contract with independent operators for long-haul and short-haul deliveries.

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Occupational Accident Frequently Asked Questions

 

Primary Employer’s Indemnity Insurance

 

This is only a brief description of the coverage(s) available. The policy will contain reductions, limitations, exclusions, and termination provisions. For costs and complete details of the coverage(s) contact GreenWood International Insurance Services, Inc at 512-477-2116.

This is not a policy of workers’ compensation insurance. The employer does not become a subscriber to the workers’ compensation system by purchasing this policy, and if the employer is a non-subscriber, the employer loses these benefits which would otherwise accrue under the workers’ compensation laws. The employer must comply with the worker’s compensation law as it pertains to non-subscribers and the required notifications that must be filed and posted.

 

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