Accident and Health Insurance for
Texas Non-Subscribers

Accident and health insurance is an essential investment for non-subscribers who have opted out of the workers' compensation programs in Texas. After filing a non-subscription notice, employers lose their right to access the state workers' compensation fund as well as their ability to use common defense strategies in tort cases. Although employers can significantly reduce contributions to workers' compensation plans, employers are still financially responsible for all occupational injuries. With several risk management tools, including an accident and health policy, non-subscribing companies can gain more control of compensation for injured employees and help mitigate costly lawsuits. 

Who can benefit from Accident and Health insurance for Non-Subscribers?
The option to opt out of workers' compensation programs is available to the majority of Texas-based businesses (except companies who provide services directly to government agencies). We make available accident and health insurance to non-subscribing employers in a diverse range of industries. We can provide a menu of integrated risk-management solutions to help each company develop a comprehensive program that includes loss of life, medical, disability and liability coverage for lawsuits brought by employees. We offer customized terms, limits and retentions to meet each customer's needs.  

Discover the benefits of Zurich Texas Non-Subscribers Insurance
We are a market leader for occupational accident insurance and were rated the best overall carrier for workers' compensation insurance by Business Insurance.* We have the expertise, solutions and claim services needed to make non-subscription a positive decision for an employer. Coverage can be provided by Zurich Texas Occupational Accident (TOA) policy or our Texas Employers Indemnity (TEI) policy. 

*As voted by readers of Business Insurance in 2009.