Are You Required to Have Workers' Comp Insurance in Texas?
No, Texas law doesn’t require your business to carry workers’ compensation coverage, unless you contract with government agencies. However, we highly recommend it for every company.
Without it, you risk unlimited liability: employees can sue you and recover full damages if negligence is proven. Moreover, workers’ comp insurance provides a range of benefits that make your business more competitive:
- It protects your business from employee injury lawsuits.
- It covers medical expenses and lost wages for injured employees.
- It helps in resolving claims through the Texas Department of Insurance (DOI).
- It demonstrates responsibility and professionalism to stakeholders.
- It may reduce long-term financial risk from workplace accidents.
- It can improve hiring and retention by offering a safety net.
- It ensures compliance when working with government contracts.
- It provides access to legal defenses not available to non-subscribers.
How Does the Workers’ Compensation System Work in Texas?
If you’re a non-subscriber (you’ve “opted out” of coverage), you must:
- File a yearly notice with the DOI’s Division of Workers’ Compensation.
- Inform new employees that they will not be covered.
- Post visible workplace signage around your property.
- Follow strict reporting and record‑keeping rules.
As a subscriber:
- Claims go through the Texas Division of Workers’ Compensation.
- Employees gain medical, wage, & death benefits.
- Employers gain legal protections in most injury cases.
Personalized Protection from Our Workers’ Comp Insurance Brokers
As a local, independent commercial insurance agency, we provide:
- 📋 Risk & Payroll Assessments: Identify exposures unique to your operations.
- 🔍 Competitive Quotes from Multiple Carriers: Compare top-rated insurers.
- 🧠 Compliance Support: Assistance with filing requirements and signage.
- 🤝 Ongoing Guidance: Reviews and policy adjustments as your business grows.
Why Do Sugar Land Businesses Work with Our Commercial Insurance Agents?
- 🛡️Limit Lawsuits & Litigation Risk: Policies typically bar employee lawsuits and cover legal fees.
- ⚖️ Structured, Court-Free Claim Resolution: Handle claims efficiently through Texas DWC.
- 💰 Control Costs & Improve Cash Flow: Minimize unplanned medical and wage expenses.
- 🧩 Coverage Aligned with Your Industry: We personalize policies for construction, retail, and more.
- 👥 Transparent Carrier Comparisons: We shop across top-rated insurers to balance price & financial stability.
Get a Custom Quote from Our Commercial Insurance Agency
Every business carries its own unique risks, but protecting your team shouldn’t be left to chance. Even if this insurance isn’t required by Texas law, having the right coverage in place can empower you to:
- Avoid Costly Legal Battles
- Maintain Employee Trust
- Safeguard Your Long-Term Success
Contact us now to get a quote from our workers’ comp insurance brokers that’s designed specifically for your business.