Workers Compensation Insurance

For Individuals and Families in TX, CA, OK, AR, TN and AZ
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Protect Your Team. Protect Your Business.

When employees get injured or sick on the job, Workers Compensation Insurance steps in—covering medical bills, wage replacement, and more. At Affluence Insurance Services, we help you navigate mandatory coverage laws while finding policies that protect your team and your bottom line.

What's Covered

Workers comp typically includes:

  • Medical Expenses

    Pays for treatment, hospitalization, and rehabilitation for work-related injuries or illnesses.

  • Lost Wages

    Replaces a portion of an employee’s income while they recover.

  • Disability Benefits

    Compensates for partial or total disability resulting from a workplace incident.

  • Death Benefits

    Offers financial support to the family in the event of a fatal work injury.

  • Employer Liability Coverage

    Protects the business from lawsuits related to unsafe working conditions or negligence.

Insure with Affluence

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Legally Required

In most states we serve, workers comp is mandatory for businesses with employees.

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Employee Loyalty & Morale

Shows your team that you’re invested in their well-being, especially during difficult times.

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Financial Protection for Employers

Covers expenses that could otherwise cripple your business.

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Support with Claims

We guide you through the claims process and help minimize disruption to your operations.

Frequently Asked Questions

  • Do I need workers comp if I only have part-time employees?

    Yes—in many states, part-time and seasonal workers must be covered. We’ll help you understand your obligations by location.

  • Can I exclude myself as the business owner?

    In some cases, yes. But it’s wise to evaluate whether coverage might benefit you, especially in high-risk industries.

  • What happens if I don’t carry workers comp?

    You could face fines, legal action, and exposure to costly lawsuits. It’s not worth the risk.

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Get a Quote

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Protect Your People—and Your Business Reputation

Get workers compensation coverage that meets legal requirements and supports your team when they need it most. Affluence Insurance Services is here to help you do it right.