Employee Injury in Real Estate

For a property owners or managers, there can be significant risks for employee injury, especially related to facility maintenance.

Lifting

A worker installing a new dishwasher in an apartment complex can hurts his back lifting the appliance.

Electrical

A retail tenant having an electrical issue calls the maintenance man, who gets a shock re-working the wires.

Slip and Fall

A janitorial employee, after a tiring day walking up and down stairs, has a mis-step, trips, falls, and sprains her wrist.

Taking Advantage of the Situation

For situations like this, you need Workers Comp insurance. But what happens when the employee takes advantage of the situation? 

  • Low-back injury requires 2 years of adjustments with the chiropractor,
  • Touching hot wire causes mental trauma and has a long recovery process
  • Sprained wrist turns into 3 years of physical therapy.
Workers Comp – Rate Increase in Future Years

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.

Taking Control of the Claim

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’.

Premium Savings

Even without major claims, Non-subscriber insurance offers premium savings compared to Workers Comp. Businesses typically shave at least 10-20% off their premium by switching to non-subscriber….and considerably more if they’ve had claims in the past 2-3 years.

Competitive Edge

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.


Non-subscriber insurance saves money on employee injury coverage, but it doesn’t help you lower the property premium.

Understanding ‘rate’ is the key to a low property premium…
What’s my rate?

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