To subscribe or not to subscribe?  That is the question many Texas business owners -  and their agents - have asked, as they grapple with how to insure against on-the-job injuries.

Take the case of a Texas HVAC company with 15 employees that had been a longtime subscriber of workers' comp.  After several claims, their workers' compensation premiums skyrocketed and they were faced with a dilemma: pay the ever-rising premiums or go bare? 

"A lot of small- and medium-sized businesses are priced out of workers' comp, says Lance Johnson, with Combined Group's Non-Subscription team.  "They may not realize that their solution is available through one of our Non-Subscription products."

Texas is unique in offering another avenue for on-the-job injury coverage to those who elect not to subscribe to workers' compensation.  Employers of all sizes have opted for Non-Subscription coverage, because they like the lower premiums and the ability to exercise more control over their on-the-job injury program.

"We've been able to provide Non-Subscription coverage to a lot of companies that use to go bare," says Johnson.  "It's better for the workers, it's better for the employers and our availability of solutions certainly is better for insurance agents."

Are you offering your clients a Non-Subscription option?  If not, you might be surprised to learn that nearly a quarter of all Texas employers are non-subscribers.  And that number is growing.

Combined Group is the only full underwriting facility in the state that offers four distinct Non-Subscription products.  With our underwriting binding authority, in-house safety inspections and loss control, and TPA claims services, Combined Group agents can feel good knowing they're giving their customers the best options available. 

Let our team of experts help you, so you can help your customers.  Contact us at nonsubscription@combinedgroup.com or call (800) 275-3193.