Employers Indemnity
Indemnifies employers for certain work-related injury costs.
Do you (or does someone you know) want to opt out of workers
compensation plans in Texas? Applicants under RLI’s program must have
rejected the Texas Workers’ Compensation Act.
RLI’s Employers Indemnity - on a primary (PEI) or excess (EEI) basis - has a
straightforward approach to coverages that reduces costs and red tape while increasing an
employer’s ability to have a positive impact on its insurance costs.
Quick solutions to complex problems
RLI’s employers indemnity program has proven to be effective as an
alternative workers’ comp program. Employers have found that these coverages
eliminate many of the costs, legal disputes, and general "headaches" that result
from state-run programs.
RLI prescribes a straightforward explanation of benefits, outlines how much will be
paid for specific injuries, designates the physicians employees must visit, and provides
many other provisions which foster improved employer-employee relationships. Employers
indemnity coverage from RLI:
- helps reduce employee lawsuits.
- helps reduce lost time due to injuries.
- encourages faster settlement of employee claims.
PEI is usually written for small- to medium-sized companies that are uncomfortable with
retaining a large portion of the loss and require lower policy limits. EEI
coverage is
commonly written for medium- to large-sized employers that can better manage higher
retention limits and need higher protection limits.
When you’re looking for innovative solutions to highly specialized risks, look to
RLI. You’ll appreciate our expertise. You’ll also appreciate our customer
service. RLI underwriters have binding authority. That breeds flexibility, confidence,
efficiency, and a level of personalized customer service that is hard to find. Call a
broker in your area today. See if RLI has an alternative to the Texas
worker’s comp program that makes sense for you.
Coverage Amounts
Primary employers indemnity - up to $1 million.
Excess employers indemnity - up to $5 million.
Geographic Availability
RLI’s PEI and EEI policies are available only in the state of Texas.
Types of Coverage
| PEI |
EEI |
| Accidental death/dismemberment |
Bodily injury |
| Medical expense |
Disability |
| Disability |
Occupational disease |
| Occupational disease |
Cumulative trauma |
| Cumulative trauma |
Legal liability |
| Legal liability |
|
Contact an expert
|
