For a manufacturing business, there are significant risks for employee injury, especially related to the production process. A worker managing product inventory hurts his back lifting a heavy item. A forklift operator, after hitting the brakes, slides forward and bruises a rib. An assembly line worker, after a tiring day of tedious work, isn’t being careful and has a thumb injury.

For situations like this…you need Workers Comp insurance. But what happens when the employee takes advantage of the situation? That low-back injury requires 2 years of adjustments with the chiropractor, the rib bruise has a surprisingly long recovery process, and the sprained thumb turns into 18 months of physical therapy.

Your WC insurance company is paying every dollar of those claims, and they’re putting it back on you by increasing your rate in future years.

But what if you had control over your claims? What if you were able to settle them quickly, reasonably, and save your rate.  

Texas allows businesses to opt out of Workers Comp and get a similar policy covering employee injury. It’s called ‘Non-subscriber insurance’.

Just like I’m saying, this coverage allows you to take control of employee injury claims and keep them from increasing your rate. Non-subscriber insurance, even without major claims, offers premium savings compared to Workers Comp. Businesses typically shave at least 20% off their Workers Comp premium by switching to non-subscriber….and considerably even more if they’ve had claims in the past 2-3 years.

My agency has a niche in non-subscriber insurance. Since it came out in the 80’s my father Craig Rekerdres, has helped major Texas businesses develop a competitive edge by letting dollars that would be paying Workers Comp premiums be used for growth opportunities.

If you’re interested in exploring the benefits of non-subscriber insurance. Email me at david@rekerdres.com.

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