Every company is required to have worker’s compensation insurance for their employee in case an accident with serious injuries occurs in the workplace. The company is the one that is paying for the workers’ compensation, and this cost depends on the worker’s compensation board of each state. Because every type of job entails a certain amount of risk, these risk classifications help determine the rate of workers’ compensation: the frequency of work-related injuries and the severity.

These two factors help determine the amount of compensation that a worker would receive after an accident, and these factors also the basis as to why some jobs have higher worker’s compensation rates than others. Carriers of workers compensation insurance can also base their rates on other factors such as the history of company safety, and if the company offer insurance to their workers.

As stated earlier, worker’s compensation is under jurisdictions of each state, and in the state of Texas it is not man mandatory of every employers to provide occupational injury insurance coverage. Regardless, employees still have legal rights to file for compensation claims provided they have a genuine claim. If the employer refuses to provide compensation, or if the compensation is not enough to cover for the damages and injuries, then contacting any Fort Worth personal injury lawyers could assist in drafting a lawsuit. It is wiser for companies to provide worker’s compensation insurance to their employees, since personal injury lawsuits can cost a lot of money and put the company in the wrong light.

In order to prevent such unnecessary cost and danger to the workplace, WorkSTEPS advise companies to have a proper and effective pre-employment testing. An appropriate pre-employment examination and background check would ensure employers that whoever they are hiring is competent, knowledgeable, and experienced in the specific type of job they offer. This would help prevent or at least lower workplace accidents and increase production. Pre-employment screenings, together with workplace risk assessment and property training would greatly help in preventing workplace accident and establish the company’s effective and steady workflow.

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