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Occupational Accident Vs Workers Compensation


Workers’ Compensation insurance and Occupational Accident insurance are two of the primary types of insurance that protect employers and employees from the financial consequences of injuries and accidents on the job. And while these two plans function very similarly, there are important distinctions between how the two respond to different scenarios and as an employer it is important to understand the differences the pros and cons of each to ensure you are properly covered. [1]


Occupational Accident Pro’s [1]


Workers’ Compensation Pro’s


Occupational Accident Con’s [1]


Workers’ Compensation Con’s


Workers’ Compensation premiums and Occupational Accident premiums align for certain industry groups.  Ask us for a Workers’ Compensation comparison today. Contact Stephanie Sears at or (214) 646-1654.




[1] U.S. Risk – Breaking Down the Difference Between Occupational Accident Insurance and Workers Compensation:



IBTX, an Acrisure Agency Partner, specializes in risk management and insurance solutions. Empowered with innovative thinking, our experienced professionals deliver creative solutions to proactively manage risk, mitigate exposure and consequences and minimize financial and human impact. We are among the largest independent brokers in the Southwest with a mission to instill confidence in our clients.


Acrisure is the marketing name of the national group of agencies offering insurance and risk management expertise through Acrisure, LLC and its affiliates.  For additional information, please visit our website at information and descriptions contained herein are provided for general informational purposes only, and should not be viewed as a substitute for legal, regulatory, or other advice on any particular issue or for any particular reason.  The advice of a professional should always be obtained before purchasing any insurance product or service, and you should not rely on the information provided herein for the prevention or mitigation of risks or as a full and complete explanation of coverage under any insurance policy.  While the information contained herein has been compiled from sources believed to be reliable, no warranty, guarantee, or representation, either expressed or implied, is made as to the correctness or sufficiency of any representation contained herein.


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