Texas Workers Compensation Insurance

Coverage Overview

What's Typically Covered

• Medical expenses for work-related injuries and illnesses in Texas
• Temporary and permanent disability wage replacement benefits
• Employers Liability (Part B) — protects against employee lawsuits
• Death benefits for dependents of fatally injured workers
• Vocational rehabilitation coverage
• Coverage for all Texas employees — full-time, part-time, and seasonal
• Stop-gap employers liability for states with monopolistic funds

Workers Compensation in Texas

Texas is the only state that makes workers compensation optional for private employers. However, non-subscriber employers face unlimited tort liability from injured workers — meaning one serious workplace injury can be catastrophic without WC coverage. Most Texas businesses benefit significantly from carrying WC even though it's not legally required.

Why Class Code Accuracy Matters

Texas contractors working on government projects are required to carry workers comp regardless of the opt-out rule. Many commercial contracts and general contractors require subcontractors to carry WC even in Texas. We help Texas employers understand the real risk of opting out and find competitively priced WC coverage through private carriers including Texas Mutual, the state's largest WC insurer, and competing admitted carriers.

Why Use an Independent Broker for Workers Comp?

Workers compensation is one of the lines where independent broker value is most tangible. Captive agents can only offer one carrier's rates. As an independent broker licensed in Texas, we compare multiple admitted carriers and can often identify class code corrections that reduce your premium without reducing your coverage.

We also help manage your experience modification factor (EMR/X-Mod) — the multiplier applied to your base rate based on your claims history. An EMR below 1.0 saves you money at every renewal. We work with you on safety programs and claims management strategies that keep your EMR competitive.