Occupational Accident

What is Occupational Accident insurance?

For Texas employers who choose to non-subscribe to Workers’ Compensation, Occupational Accident is an alternative coverage that has been around since 1917.

A non-subscriber employer establishes the rules for benefit and liability claim handling. The employer selects the amount of coverage for occupational medical expense, wage replacement, death or dismemberment and other employee benefits that best suit the needs of their company. Liability coverage is also available.

The rules on immediate injury reporting and drug testing under non-subscription help to reduce fraud. Mandatory binding arbitration for all work related disputes is another benefit to the employer with Occupational Accident plans. These are ERISA governed plans.

A high percentage of Texas employers choose to non-subscribe to Workers’ Comp. They enjoy a significantly lower premium with Occupational Accident plans. Call us today for quotes and information

We have made arrangements to represent the top carriers in the non-subscription market and are ready to help you with your clients.

Carriers Represented


For more information or contracting paperwork contact our Occupational Accident Department

Robert Ledman, Marketing – Disability and Occupational Accident
Phone: (713) 507-1027
Toll Free: (800) 477-3548 ext. 1027
e-mail: rledman@emgbrokerage.com