Workers Compensation Insurance
Protecting Your Employees & Your Business
No matter how careful your team is, workplace accidents can still happen. Workers compensation insurance helps cover medical costs, lost wages, and legal expenses when an employee is injured on the job—providing peace of mind for both you and your crew.
What Your Workers Compensation Insurance Can Include
Medical Expense Coverage
Pays for doctor visits, surgeries, hospital stays, medications, and physical therapy related to a work injury.
Lost Wage Replacement
Provides partial income for employees who can’t work due to a covered injury or illness.
Rehabilitation Services
Covers physical rehab and vocational training to help employees return to work after recovery.
Disability Benefits
Offers short- or long-term compensation depending on the severity of the injury.
Death Benefits
Provides financial support to the employee’s family in the event of a fatal workplace accident.
Legal Defense
Protects your business from lawsuits related to work injuries, including court costs and settlements.
Coverage That Reflects Texas Worksites
From job sites to storefronts, accidents happen
Texas doesn’t require businesses to carry workers compensation—but without it, employers are fully liable for workplace injuries. That means medical costs, lost income, and legal fees could come out of pocket if an accident occurs. In industries common to West Texas—like construction, agriculture, and skilled trades—physical work increases the chance of on-the-job injuries. Even retail, food service, and office jobs come with risks like slips, lifting injuries, and repetitive strain. We help local employers choose workers comp policies that keep teams protected and operations moving. Whether you’re required to carry it or not, this coverage is one of the smartest investments a business can make.
Frequently Asked Questions
Is workers comp required in Texas?
No, Texas is the only state that doesn’t require most private employers to carry workers compensation insurance. However, if you don’t have it and an employee is injured, you may be sued and held liable for all costs. Many businesses—especially in construction or commercial contracts—choose to carry it voluntarily. It also helps attract and retain workers who want peace of mind.
How much does workers comp insurance cost in Texas?
Premiums vary based on your industry, payroll size, and claims history. Most Texas businesses pay between $0.45 and $2.50 per $100 of payroll. High-risk industries like roofing or trucking may see higher rates, while low-risk office environments are lower. We’ll calculate your rate based on your class code and find the most cost-effective option.
What types of injuries does this cover?
Workers comp covers injuries or illnesses that occur as a direct result of employment. That includes falls, repetitive motion injuries, equipment accidents, and certain work-related illnesses. It also covers accidents that happen off-site while performing job duties. We’ll make sure you understand the scope of protection and help keep your employees informed as well.
Does this cover part-time or seasonal workers?
Yes, part-time, seasonal, and temporary employees can all be covered by workers compensation insurance. In fact, many workplace injuries occur among newer or less experienced workers, making it especially important to include them. We’ll help you set up your payroll classification so your coverage matches your workforce year-round.
Can I be sued if I don’t carry workers comp?
Yes, and in Texas, employers who opt out of coverage lose key legal protections. Without workers comp, an employee can sue you directly for negligence—and you may not have access to traditional legal defenses. If you do carry a policy, claims typically go through the insurance carrier instead of the court system. That protection alone is worth the premium.
