Workers’ Compensation Insurance in Wichita Falls, TX 

Why Workers’ Compensation Insurance Matters in Wichita Falls

Protecting your employees also protects your business. Workplace injuries and illnesses can happen anywhere — from construction sites to offices — and without coverage, the medical costs and lost wages can overwhelm your company’s resources. Workers’ compensation insurance ensures employees are cared for while protecting your business from lawsuits and unexpected expenses.



At Montoya Insurance Group, LLC, we help Wichita Falls businesses of all sizes find affordable workers’ compensation insurance tailored to their industry.

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What Our Workers’ Compensation Insurance Covers

Our policies provide protection for both your employees and your business, including:

  • Medical Expenses – Coverage for treatment and rehabilitation costs.
  • Lost Wages – Compensation for employees unable to work due to injury or illness.
  • Disability Benefits – Payments for partial or total disability caused by workplace accidents.
  • Death Benefits – Financial support for families in the event of a work-related fatality.
  • Employer Liability – Protects your business from lawsuits related to workplace accidents.
  • Claims Support – Guidance and assistance for handling employee claims efficiently.
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Common Add-Ons & Options

We help Wichita Falls businesses strengthen their policies with:

  • Risk and loss control services to reduce workplace accidents
  • Access to affordable medical care through trusted provider networks
  • Premium payment programs to help manage costs
  • Tailored industry-specific coverage (construction, retail, healthcare, and more)

Who Needs Workers’ Compensation Insurance in Wichita Falls?

Local Risks to Consider

  • Workplace Accidents – From construction sites to warehouses, injuries can be costly.
  • Rising Medical Costs – Inflation and advanced treatments increase expenses.
  • Employee Lawsuits – Without coverage, your business may face overwhelming liability.

FAQs – Workers’ Compensation Insurance in Wichita Falls

  • Is workers’ compensation insurance required in Texas?

    Texas does not mandate workers’ comp for all businesses, but many industries require it by contract, and it provides essential financial protection.

  • What happens if I don’t have workers’ comp and an employee is injured?

    Your business could be held directly responsible for medical bills, lost wages, and potential lawsuits.

  • Does workers’ comp cover part-time employees?

    Yes. Coverage can extend to full-time, part-time, and seasonal employees.

  • Can workers’ comp policies be customized by industry?

    Yes. We tailor coverage for construction, healthcare, retail, professional services, and more.

  • Do you provide bilingual service?

    Yes. Montoya Insurance Group, LLC serves Wichita Falls businesses in both English and Vietnamese.

Protect Your Employees and Your Business

Get the Right Workers’ Compensation Insurance in Wichita Falls, TX

At Montoya Insurance Group, LLC, we believe protecting your team is protecting your future. With access to top carriers, personalized guidance, and cost-saving options, we’ll help you find the right workers’ compensation policy for your business.