The top-rated workers' compensation insurance agent in Schertz, Texas is Nate Obregon - State Farm Insurance Agent, rated 5.0 stars across 432 reviews. Other highly rated options include Farmers Insurance - Natascha Reynoso, Bill Hicks - State Farm Insurance Agent, Cindy Deschamps: Allstate Insurance. This directory lists 11 workers' compensation insurance agents serving Schertz.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Nate Obregon - State Farm Insurance Agent | 6000 FM3009 Ste 204 | (210) 460-4951 |
| 2 | Farmers Insurance - Natascha Reynoso | 6051 FM3009 Ste 246 | (210) 797-7197 |
| 3 | Bill Hicks - State Farm Insurance Agent | 210 FM78 | (210) 658-4642 |
| 4 | Cindy Deschamps: Allstate Insurance | 1420 Schertz Pkwy Ste 230 | (210) 656-1462 |
| 5 | Steven Garza - State Farm Insurance Agent | 1996 Schertz Pkwy Suite 404 | (210) 658-6264 |
| 6 | Joel Munis: Allstate Insurance | 908 FM3009 | (210) 566-4440 |
| 7 | CIA (Colombo Insurance Agency) | 611 Main St | (210) 966-0601 |
| 8 | Laskowski Insurance Agency | 17305 I-35 N #134 | (210) 828-2265 |
| 9 | Farmers Insurance - Jacqueline Cruz | 1996 Schertz Pkwy Ste 203 | (210) 890-8008 |
| 10 | Will Peterson Insurance Agency | 908 FM3009 | (210) 945-9455 |
Nate Obregon - State Farm Insurance Agent serves the Schertz, Texas, and surrounding Bexar and Guadalupe county area as a workers' compensation insurance agent. This agency helps local businesses secure coverage to protect employees in case of work-related injuries or illnesses. They guide employers through policy options that meet Texas state requirements. The agency also assists with filing workers' compensation claims and managing coverage for small business owners in the region.
Farmers Insurance - Natascha Reynoso serves the Schertz, Texas area and surrounding communities. It handles workers' compensation insurance policies for local businesses. The agent works with employers to secure coverage that meets regulatory requirements for workplace injuries. Each policy is tailored to the specific operations and risk profile of an individual business. The agency uses a clear evaluation of client needs and standard industry underwriting to recommend appropriate policy limits.
Bill Hicks - State Farm Insurance Agent in Schertz, TX provides workers' compensation insurance to local businesses, covering essential liability and medical benefits for on-the-job injuries. Ongoing policy reviews and claims assistance are included to help clients maintain proper coverage and comply with Texas workplace regulations. Bill Hicks serves single-family homes, apartments, retail, and restaurants requiring tailored protection for their employees.
Cindy Deschamps: Allstate Insurance serves businesses seeking workers' compensation coverage in Schertz, Texas. The agency helps employers navigate the complex requirements for insuring their workforce against job-related injuries, ensuring compliance with local regulations. It assists property managers, contractors, and local commercial clients in Schertz with customizing liability and medical cost protection for employees. The agency also extends its workers' compensation agent services to neighboring communities such as Cibolo and the wider San Antonio metropolitan area.
For a workers’ compensation insurance agent service, clients may choose between a single policy purchase to meet an immediate compliance need or an ongoing advisory relationship that adapts coverage as the business grows and regulations change. Steven Garza - State Farm Insurance Agent in Schertz, TX, connects local employers with policies designed to cover medical costs and lost wages for job-related injuries. The professional guidance focuses on matching the policy to the client’s industry and payroll size. This service operates on a one-time or as-needed basis for policy adjustments and claims support.
Specializing in connecting Schertz employers with workers’ compensation policies, Joel Munis: Allstate Insurance helps local businesses secure coverage that meets legal requirements. The agency guides clients through risk management needs and policy selections tailored to their operations. It also assists with understanding how coverage functions during workplace injuries and return-to-work processes. During seasonal shifts in staffing or construction activity, the agent can evaluate any necessary adjustments to existing compensation policies.
As Schertz businesses grow and seasonal workers are hired, the need for reliable workers' compensation coverage becomes critical. Colombo Insurance Agency, an agent based in Schertz, TX, helps local employers navigate coverage requirements for workplace injuries. The firm advises on proper classification of employees and assists with policy selection that fits current operations. Protecting a business from major financial loss due to on-the-job accidents is their core function. During an initial walk-through of the worksite, they examine existing safety protocols and employee roles to identify any coverage gaps that must be addressed.
Laskowski Insurance Agency helps businesses secure coverage to manage the financial risks associated with workplace injuries. Its specialty includes guiding local employers through the complexities of workers' compensation policies and state requirements. With an office based in Schertz, Texas, the agency works closely with clients to review payroll classifications and claims history. This focused approach allows it to serve a variety of commercial operations, including local offices, warehouses, and food service establishments.
Farmers Insurance - Jacqueline Cruz provides residential service for clients in Schertz, Texas, while also offering commercial coverage tailored to local businesses. As a workers’ compensation insurance agent, this agency helps employers secure policies that meet legal requirements and cover workplace injuries. Service extends throughout the Schertz area to ensure accessibility for nearby companies. After the initial policy is set, the agent follows up with clients to discuss any changes in their operations, maintaining consistent communication between regular renewal visits.
Will Peterson Insurance Agency in Schertz, Texas, specializes in helping local businesses secure workers' compensation coverage. The agency assists employers in navigating Texas-specific regulations to obtain appropriate policies that protect employees on the job. Its services include policy comparison, compliance guidance, and risk consultation tailored to small and mid-sized operations in the region. For businesses managing payroll or subcontractor arrangements, the agency can also provide coverage modifications to meet fluctuating workforce needs.
What Does a a Workers' Compensation Insurance Agent in Schertz Cost?
Workers compensation insurance costs in Texas vary widely by industry payroll and claims history. For a small office business annual premiums might range from 300 to 1,000 dollars. For higher risk industries like construction costs can be 5,000 to 20,000 dollars or more per year. Rates are set per 100 dollars of payroll with class codes determining the base rate. This is general information and not insurance advice.
About workers' compensation insurance agents in Schertz
Workers compensation insurance agents in Schertz Texas help local businesses navigate the states unique non-mandatory workers comp system. Unlike most states Texas does not require most private employers to carry workers compensation insurance. An agent can explain the differences between subscribing and non-subscribing options and help you choose the right policy for your business needs.
Frequently Asked Questions
Is workers compensation insurance required for businesses in Schertz Texas?
Texas is one of the few states where private employers are not required to carry workers compensation insurance. However if you have a contract with a government entity or work in certain industries like construction you may need coverage. An agent can help you understand your specific obligations.
What happens if a Schertz business does not carry workers comp?
If you choose not to subscribe to workers compensation you lose certain legal protections. Injured employees can sue your business for damages and you cannot use the exclusive remedy defense. You must also file an annual notice with the Texas Department of Insurance.
How do Texas workers comp rates compare to other states?
Texas workers compensation rates are generally competitive because the market is deregulated. Insurance carriers can set their own rates based on risk factors like payroll and industry class codes. An agent in Schertz can compare quotes from multiple carriers to find a suitable rate for your business.
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