Page 52 - 12-1296

The state of Texas does not require most employers to participate in the statutory workers’ compensation system. The workers’ compensation statute in Texas classifes an employer who does not participate in workers’ compensation for their Texas operations a “Non-Subscriber.”

• A non-subscribing (NS) employer loses their protections under workers’ compensation statutes and in particular the use of statutory benefts as a sole remedy. • The NS employer is exposed to tort actions from their employees and has limited common law defenses to defend such.

• Employers who non-subscribes does so in order to reduce expenses and gain fexibility and control in managing work injuries and their employees.

• Texas brokers and brokers with customers in Texas

• Insurance buyers/risk managers/benefts managers in the state of Texas

For Texas Non-Subscribers, Zurich offers:

• Texas Occupational Accident (TOA) – Occupational Accident policy providing Temporary Total Disability, Medical expense benefts, and Accidental Death & Dismemberment due to work-related accidents.

• Texas Employers Indemnity (TEI) – One policy providing Temporary Total Disability, Medical expense benefts, Accidental Death & Dismemberment due to work-related accidents as well as Liability coverage, provide insurance coverage to Employer for injured worker lawsuits.

Zurich has a long background in related-coverage issues

• Our teams in the workers’ compensation and occupational accident areas possess the technical underwriting expertise and knowledge that is needed

• We are a market leader for occupational accident and were rated the best overall carrier for workers’ compensation insurance by Business Insurance. 1

• Our claims colleagues provide extensive backgrounds along with responsive and fair claims services

• We want our customers to think of Zurich when they think of Accident.

Page 52 - 12-1296_Flipbook

Page 52 - 12-1296_Flipbook