Workers Compensation Policy

Work-related accidents or illnesses can occur in your business at any time. Workers compensation insurance covers your employees' medical expenses and lost wages if they are hurt on the job.

Benefits are paid regardless of whether your negligence led to the injury or illness. Workers compensation coverage includes medical treatment, rehabilitation costs, and lost-wage replacement, covering up to two-thirds of an employee's regular salary while he or she is out of work. Our Workers Compensation policy also includes liability coverage, which would apply (subject to limitations) if a worker or his/her family sues you for damages stemming from a workplace injury.

Six good reasons to place your workers compensation coverage with SBCIA:

1. Competitive Rates - SBCIA offers lower rates for customers with good loss experience.
2. Dividend Plan - SBCIA has a dividend plan for larger policies that is based on the customer's loss experience. A good loss ratio is necessary to qualify for this profit-sharing program.
3. National Company - SBCIA is especially suited to serve the needs of small to medium businesses. We work with independent agents who help you select the appropriate coverage for your business needs. SBCIA has licensed agents in Texas primarily.
4. 24-hour claims - Express Reporting is our toll-free claims service, available 24 hours a day, seven days a week.
5. Loss Control - Our Loss Control Representatives can identify hazards and make recommendations to reduce the probability of losses and save you money. We can also assist in developing and implementing safety programs to meet the specific needs of your business.
6. Service - SBCIA has one of the best policy issuance systems in the insurance industry. Our programs are designed for small to medium-sized businesses.

Workers' Comp Alternatives

• For Texas employers who have rejected the Workers' Compensation Act. Employers can select their own Third Party Adminstrator(TPA) and Safety Consultant from a listing of approved firms. Flexible limits and retentions available to tailor a program to the Employer's specific needs.

Note: Coverage statements are general descriptions only. The full and exact contract is contained only in the policy. Product availability only in the state of Texas.  Please email an agent if you have any questions.

SBCIA - www.sbcia.com - specializes in general liability insurance, tax and financial planning in Texas.