Workers Compensation Insurance is a cornerstone of many commercial insurance policies, but in the state of Texas, it is only recommended, and not required by state law. To their detriment, some businesses skip having Workers Compensation coverage with the belief that it's unnecessary because they have little to no workplace accidents. The reality is that insurance protects against the issues, accidents, and damages we can't ever plan for, and having Workers Compensation coverage is a smart business decision, regardless of the industry or size of the company.
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