Workers Comp Insurance
Comprehensive workers compensation coverage that protects your business property and employees, giving you the confidence to grow your operations while knowing your workplace and guests are safeguarded.
We understand the complex demands of workplace safety, coverage compliance, and risk management.
With decades of specialized experience protecting employers and their workforce, our expert advisors bring deep understanding of workplace safety and compliance risks to every client relationship. We work closely with you to develop insurance solutions that safeguard against workplace injuries, OSHA violations, and liability exposures while anticipating regulatory changes and emerging risks. Our commitment to ongoing support ensures your business maintains comprehensive protection as your workforce and operations grow.
Our certified workers' compensation specialists serve businesses across all sectors, from small retail operations to large manufacturing facilities. Through ongoing analysis of OSHA requirements, workplace safety protocols, and industry-specific hazard patterns, we stay ahead of emerging occupational risks. This proactive approach ensures your coverage provides comprehensive protection against workplace injuries, repetitive stress conditions, and occupational illness claims.
We go beyond standard workers' compensation requirements to provide comprehensive protection tailored to your industry's unique risks. Our coverage spans from workplace injury and rehabilitation to occupational illness and death benefits, ensuring your business and employees remain protected without any coverage gaps.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Emergency medical treatmentcovers immediate care needs including ambulance services, emergency room visits, and initial trauma care for work-related injuries.
• Ongoing medical careprovides coverage for follow-up appointments, physical therapy sessions, and specialized treatment plans following workplace accidents.
• Prescription medication coverageincludes both short-term pain management, long-term treatment medications, and necessary medical supplies for recovery processes.
• Rehabilitative services coverageencompasses occupational therapy, specialized medical equipment, and necessary workplace modifications to support employee recovery.
• Temporary disability paymentsprovide regular income replacement for employees unable to work, including partial and total disability situations.
• Permanent disability compensationcovers long-term income loss, career retraining programs, and ongoing living expense support for disabled workers.
• Death benefit protectionprovides dependent family support, funeral expense coverage, and ongoing financial assistance for surviving family members.
• Wage continuation benefitsensure stable income during recovery periods, including partial return-to-work programs and modified duty arrangements.
• Employee claim defenseprovides representation during disputes, coverage for legal consultation, and protection against wrongful denial claims.
• Administrative hearing protectioncovers legal expenses for workers' compensation board hearings, appeals processes, and regulatory compliance matters.
• Settlement negotiation coverageincludes mediation costs, settlement agreement preparations, and professional legal representation during resolution processes.
• Fraud investigation protectioncovers detection services, professional investigative resources, and legal defense against fraudulent compensation claims.
• Third-party lawsuit defensecovers legal expenses from external claims, contractor disputes, and visitor injury allegations related to workplace.
• Consequential bodily injuryprovides coverage for family member care claims, loss of consortium, and emotional distress compensation.
• Dual capacity suits protectioncovers product liability claims, professional negligence allegations, and separate injury lawsuits from employees.
• Civil action defenseincludes protection against discrimination claims, retaliation allegations, and wrongful termination suits related to injuries.
On average, Workers Compensation Insurance costs around $3,000 annually; however, individual premiums vary based on several factors:
Different workplace hazard levels determine rates, with roofing contractors paying higher premiums than office-based businesses due to injury risks.
Total employee payroll directly impacts premium costs, as larger workforces create more exposure to potential workplace injury claims.
Previous workplace accident records influence rates, with companies having multiple past claims facing higher premiums than incident-free businesses.
Businesses with comprehensive safety protocols often receive lower rates, as proper training programs reduce workplace accident frequencies.
Premium rates vary by state regulations and regional risk factors, with urban construction sites typically commanding higher rates than rural locations.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Most states require workers' compensation insurance as soon as you hire your first employee, with few exceptions. Requirements vary by state, business type, and number of employees. Some jurisdictions exempt certain workers, like independent contractors or seasonal employees. Check your state's specific regulations, as non-compliance can result in severe penalties. Best practice is to consult with a licensed insurance professional and your state's workers' compensation board for detailed requirements.
Workers' compensation typically covers remote work injuries if they occur during work hours while performing job duties. Coverage requires establishing that the injury was work-related and occurred within the scope of employment. Employers should implement clear remote work policies, define working hours, and establish safety guidelines for home offices. Documentation of work schedules and regular safety assessments can help validate claims and ensure proper coverage for remote workers.
Workers' compensation may cover mental health conditions if directly related to workplace incidents or occupational stress. Coverage varies by state and requires clear documentation linking the condition to work-related factors. Physical manifestations of stress often strengthen claims. Employers should maintain comprehensive workplace safety programs, including mental health resources and stress management support. Early reporting and professional medical documentation are crucial for mental health-related claims.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
