Coverage
Workers Compensation Insurance for Texas Employers
When an employee is hurt on the job, workers compensation pays their medical bills and a portion of lost wages, and it protects your business from injury lawsuits. Texas is unique in that it is optional for most private employers, but most carry it anyway.
What Workers Compensation Covers
- Medical treatment for work-related injuries and illnesses
- A portion of lost wages while an employee recovers
- Rehabilitation and return-to-work costs
- Death and survivor benefits
- Employer liability for injury lawsuits
Who Needs It
Most Texas employers with employees benefit from workers comp. Many general contractors, public projects, and client contracts require proof of coverage.
Common Claims
On-the-job injury
An employee strains their back lifting equipment and needs treatment and time off.
Repetitive injury
A worker develops a repetitive-stress condition over months on the line.
Injury lawsuit
An injured employee sues, and employer liability coverage responds.
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Coverage That Pairs Well
View all coverageIndustries That Rely on Workers Compensation
See how workers compensation fits into a full program for these Texas industries.
Workers Compensation Across Texas
We write workers compensation for businesses in these Texas markets and beyond.
Workers Compensation Insurance FAQs
Texas does not require most private employers to carry workers compensation. However, many general contractors, government contracts, and clients require it, and it shields you from injury lawsuits.
It covers medical treatment, a portion of lost wages, rehabilitation, and death benefits for work-related injuries, plus employer liability if an injured worker sues.
Premium is based on your payroll, the type of work employees perform (class codes), and your claims history. Safety programs can lower your rate over time.
As a non-subscriber you lose key legal protections and can be sued directly by an injured employee without the usual defenses. Many businesses carry coverage to avoid that exposure.
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