Commercial Insurance · Texas
Workers' Compensation Insurance in Texas
Workers' compensation pays medical bills and lost wages when an employee is hurt on the job, and generally protects your business from related lawsuits. Texas lets most private employers choose whether to carry it, but many contracts require it.
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Workers' Compensation coverage options
Medical expenses
Treatment for work-related injuries and illnesses.
Lost wages
A portion of income while an employee recovers.
Employer's liability
Protection if an employee sues over a workplace injury.
Contract compliance
Meets general contractor and client requirements.
Texas is the only state where most private employers can choose not to carry workers' compensation. Employers who opt out are called non-subscribers. Opting out can look cheaper, but it comes with real risks: non-subscribers can be sued directly by injured employees and lose key legal defenses, such as arguing the employee was partly at fault. Non-subscribers must also file annual notices with the Texas Department of Insurance, Division of Workers' Compensation, and notify employees.
Many general contractors, government entities and commercial clients require proof of workers' comp before you can start work. We'll help you weigh the cost against the protection and your contract requirements. Read our Texas workers' comp guide.
How premiums are calculated
Workers' comp premiums are based mainly on payroll, the job classification of each employee, and your claims history (your experience modifier). Accurate classifications and a strong safety program help keep costs down.
Who we insure
- Contractors
- Restaurants
- Retail
- Hotels
- Trucking
- Professional services
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Reference
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FAQ
Workers' Compensation insurance FAQ
Is workers' compensation required in Texas?
Not for most private employers, but going without it (being a non-subscriber) removes important legal protections, and many contracts require coverage. Public employers and certain government contractors must carry it.
How is workers' comp premium calculated?
Mainly by payroll, job classification and your claims history.
What happens if I'm a non-subscriber and an employee is hurt?
The employee can sue your business directly, and you lose certain legal defenses. Some non-subscribers buy occupational injury plans instead. We can explain the options.