Defending Employers In Non-Subscriber Litigation
In many other states, workers’ compensation insurance is required for employers. Texas is unique, however. Texas employers can opt out of the workers’ compensation system and set up their own injury payment programs. When they do so, however, it opens up the possibility for employees to sue businesses for on-the-job injuries. Employers that decline workers’ compensation coverage are often referred to as non-subscribers.
Holden Litigation represents non-subscribing employers in Texas facing work injury litigation. We specialize in the early evaluation of non-subscriber claims and defenses, utilizing our extensive experience before juries and arbiters to present a solid defense for employers in the courtroom.
Addressing The Unique Challenges Facing Non-Subscribers
Unlike workers’ compensation insurance coverage, non-subscriber programs typically have specific policy limits on medical benefits for each covered employee, and the alternative insurance may not cover the entire amount due to the injured worker. In addition, alternative coverages usually have shorter maximum payment periods than those provided by Texas workers’ compensation laws.
Most importantly, many alternative coverages do not provide coverage for judgments for pain and suffering, punitive damages and attorneys’ fees. Thus, the non-subscriber employer could be on the hook for more than what the alternative coverage provides.
Because your company’s own assets could be at risk, hiring experienced, aggressive and cost-conscious counsel is critical. We will assist not only in determining what will be covered by the alternative insurance, but will also aggressively defend those claims that are not covered by alternative coverage to protect your business.
Get the proven defense you need at Holden Litigation. Call our Dallas office at 214-504-3750 to request a case analysis, or contact us online to get started. We represent non-subscribers across Texas.