Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Texas physicians manage high-pressure environments where accidents like needle sticks and slips can happen. Workers’ comp insurance protects your team, covering medical costs and lost wages, so you can focus on patient care without distractions.
In Texas, physicians are not required to carry workers’ compensation insurance. However, many medical practices choose to provide coverage to protect employees and reduce potential financial or legal risks for the practice.
If a physician’s office decides not to provide workers’ comp, it must file a DWC Form-005 annually to notify the Division of Workers’ Compensation of its non-subscriber status and report all workplace injuries or illnesses. Failing to meet these requirements can result in penalties and increased liability risks.
Learn more about Workers’ Compensation Insurance Texas.
Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.
If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.
Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.
Here are the main categories for classifying injuries for physicians. For more details, visit our guide - Workers’ Comp Class Codes for Physicians.
8832 - Physicians and Clerical
8832 - Medical Offices or Clinics
Here’s how to save money:
Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.
Don't underestimate your payroll
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.
Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved. It can even help keep your costs down!
Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
In Texas, workers' comp isn’t required, but you could be held responsible if a contractor gets injured on the job. To avoid this, ensure all contractors have their own workers' comp insurance. If they don’t, their wages must be added to your policy to protect your business from liability.
No, non-emergency patient transport isn’t part of a standard physician’s workers' comp policy. If you offer this service and don’t have the right classification, your business could be liable for any injuries or accidents.
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