Workers’ Compensation Management
Managing workers’ compensation premium payments can be complicated and time-consuming. Questco’s convenient “pay-as-you-go” program allows you to change the way you pay your workers’ compensation premiums by offering no deposits, advance premiums, deductibles, and year-end audits. We eliminate large upfront premium payments and ultimately improve cash flow.
Engineering Lower Workers Compensation Costs
In addition to managing workers’ compensation, Questco can assist your business with claims reporting administration, OSHA compliance, work-site hazard assessments, medical case management, drug-free workplace programs, and more.
- Protect your employees’ safety and maximize productivity
- Stabilize or reduce workers’ compensation costs
- Minimize risk with our proactive loss-prevention strategies
- Field based loss control and safety consulting services
- Safety training and education programs for managers and employees
- OSHA compliance assistance
- Return-to-work programs development and support
- Occupational Accident Insurance
Texas employers can also choose to “opt out” of workers’ compensation. Questco offers this alternative to our clients by offering occupational accident coverage (OA). This insurance provides employers and their employees a high degree of protection should a work injury or accidents occur.
OA insurance provides coverage for medical costs associated with the injury, disability payments for the injured worker as they are recovering from their injury, and a scheduled benefit for accidental death and dismemberment.
The inherent employer risk is legal liability. That is why Questco includes Employers’ Liability in our OA insurance coverage. Questco’s policy contains limits of $1 Million per incident, $10 Million per occurrence, and a $25 Million policy aggregate. Additionally, all legal expenses are covered. Finally, Questco also maintains a company policy which compels mediation and binding arbitration as a strategy to limit legal expenses and the risk of excessive awards due to litigation.