Texas Workers’ Compensation Insurance
Understanding Workers’ Comp in Texas
Unlike most states, Texas doesn’t require private employers to carry workers’ compensation insurance. But without it, businesses can be exposed to lawsuits if an employee is injured. Workers’ comp covers medical bills, lost wages, and provides critical protections for both employees and employers.
Coverage & Benefits
Workers’ compensation typically provides:
01.
Medical care for job-related injuries or illness
02.
A portion of lost wages during recovery
03.
Employer liability protection if negligence claims arise
Opting out in Texas removes certain legal protections, which is why many contractors and small business owners choose to carry it anyway.
Contractors and Workers’ Comp
Contractors in Texas often need workers’ comp because general contractors require subs to carry it before starting a job. Without it, the GC could be held liable for injuries. Even small contracting crews benefit from this coverage, and Ironwood can guide you through your options.
Cost Considerations in Texas
Premiums depend on payroll, job type, and past claims. A roofer in Waco will pay more than an office-based business, for example. Texas has a competitive market with multiple carriers, and Ironwood helps shop the best rates.
Get Covered – Next Steps
Workers’ comp coverage keeps your business compliant with contracts and gives you peace of mind.
Frequently Asked Questions About Request a Workers’ Comp Quote
Is workers’ comp required for all businesses in Texas?
No, private employers aren’t required by law to carry it. But many contracts require proof of coverage.
What happens if I don’t carry workers’ comp?
Employers who opt out lose certain legal protections and could face lawsuits directly if an employee gets injured.
Do independent contractors need workers’ comp?
Independent contractors aren’t required to carry it, but general contractors often require subs to show proof of coverage before starting work.