Dallas-based insurance wholesaler CPro Associates Inc. now offers nonsubscriber plans to agents with clients that have elected to opt out of Texas workers’ compensation.
CPro Associates reached an agreement with Western Heritage Insurance Co. of Scottsdale, Ariz., to underwrite nonsubscriber plans for eligible companies operating in Texas.
The nonsubscriber option has been available to Texas employers since the state’s workers’ compensation laws were written in the early 20th Century, but didn’t gain popularity until the 1980s. Today, about one-third of Texas employers are nonsubscribers.
Responsible nonsubscriber plans typically include elements such as workplace safety programs, documented benefit plans, employee communication, benefit funding, medical provider panels, claims management, processes to prevent and address any disputes, and full state and federal regulatory compliance.
Source: CPro Associates
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