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Cravens Warren

Serving the risk management and commercial insurance needs of business. Cravens Warren, founded in 1946, has been serving the insurance needs of... read more

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  • 10011 West Gulf Bank
    Houston, TX 77040
  • Phone (713) 690-6000
    Fax (713) 690-6020
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Workers Compensation Insurance

Workers Compensation Insurance

What is Workers Compensation Insurance? 

The Texas Workers Compensation system is the method by which covered workers are compensated for work-related injuries or illnesses. An employer's insurance company, self-insurance group with a certificate of approval, or an individual employer with a certificate of authority to self-insure pays benefits for work-related injuries, even if the injured worker’s negligence contributed to the accident. However, neither the insurance company nor the employer is liable for injuries that

  • are intentional or self-inflicted
  • result from the employee’s horseplay or voluntary intoxication (either alcohol or drug-induced)
  • arise from voluntary participation in off-duty recreational, social, or sports events
  • result from "acts of God," unless a person's job exposes him or her to a greater than ordinary risk of injury from such acts
  • are inflicted by someone else for personal reasons unrelated to employment.

What Coverage Does Workers Compensation Insurance Provide? 

The Texas Workers Compensation Act limits a covered employer's liability to a specific schedule of benefits based on the type and severity of the worker’s injury. Benefits include lifetime medical benefits for necessary treatment of compensable injuries and illnesses

  • lifetime medical benefits for necessary treatment of compensable injuries and illnesses
  • disability income benefits for a specified period of time and up to dollar limits set by law
  • limited funeral expenses for workers killed on the job
  • death benefits for surviving dependents of workers killed on the job.
Use the Quick Question form in the upper right area of the page to contact one of our Workers Compensation Insurance experts for more information.