Your guide to
Workers' Compensation Insurance in Texas
When an employee is hurt on the job, workers' compensation can help with medical care and lost wages. Our agency helps you understand how it works in Texas and what to consider for your business.
What it covers
What workers' compensation generally covers
Workers' compensation provides benefits to employees for covered work-related injuries and illnesses. Policies commonly include employer's liability coverage as well.
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Medical care
Helps pay for necessary medical treatment for a covered work injury or illness.
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Lost wage benefits
Can replace part of an employee's wages while the employee is unable to work because of a covered injury.
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Death benefits
Can provide benefits to eligible family members and help with burial costs if an employee dies from a work injury.
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Employer's liability
Often included to help protect your business if it is sued over an employee's work injury, within the policy's terms.
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Legal protections
In Texas, employers who carry workers' compensation generally have protection from many employee injury lawsuits.
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Why it matters
Texas lets most employers choose, with trade-offs
Texas generally does not require most private employers to carry workers' compensation. Employers who choose not to carry it are often called nonsubscribers, and they may lose certain legal protections if an employee sues over a work injury.
Coverage can still be required by a contract, a public project or other circumstances, so review the requirements that apply to your business. We can help you understand the choice and compare coverage options.
Before you decide to go without workers' compensation, understand what your business could be responsible for if an employee is hurt.
Things to review
Questions to ask about your business
- How many employees you have
- The kind of work they do
- Your payroll by job type
- Contracts that require coverage
- Public or government projects
- Subcontractors you hire
Often reviewed alongside it
- General liability
- Commercial auto
- Contractors coverage
- Business owners policy (BOP)
Answers
Workers' compensation questions
Straight answers to common questions. If yours is not here, call or text our agency.
Texas generally does not require most private employers to carry it, but some employers may need it because of contracts, public projects or other circumstances. Review the requirements that apply to your business.
In Texas, a nonsubscriber is generally an employer that does not carry workers' compensation. Nonsubscribers may lose certain legal protections if an employee sues over a work injury.
It depends on how your business is set up and on the policy. Owners and partners may be included or excluded in some cases, so review this with our agency.
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Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.