Workers' comp, priced for how Texas actually works
Texas is the one state where most private employers can opt out — which makes this a real decision instead of a box to check. We price the coverage, explain the trade-off, and let you choose with numbers in front of you.
What the policy does
- Medical benefits — treatment for a work-related injury or illness, with no deductible for the employee.
- Wage replacement — a portion of lost income while an injured employee recovers.
- Employer's liability — defense and damages when an injury becomes a lawsuit against the business.
- Death benefits — support for a family after the worst kind of loss.
The Texas question: subscribe or not?
Most private Texas employers may legally decline workers' compensation. Doing so — becoming a non-subscriber — means notifying the state and your employees, and giving up the exclusive-remedy protection that normally prevents an injured employee from suing you for negligence. Some employers still choose it and buy an occupational accident plan instead.
Our job is to make that comparison concrete: what a comp policy costs against your real class codes and payroll, what a non-subscriber program costs, and what each one leaves you exposed to. Then it's your call, not a default.
Getting it quoted
We'll need your class codes (or a plain description of what each employee does), payroll by class, ownership details, and any prior claims. Most Texas employers can be quoted from that in a day or two — start on the contact page or call (254) 304-5173.
Pairing it with the rest of the account? Workers' comp usually prices best alongside your general liability and property.
Frequently asked questions
Is workers' compensation required in Texas?
Texas is the outlier: most private employers are not required to carry workers' compensation. Employers who go without are called non-subscribers and must notify the state and their employees. Required or not, contracts, general contractors, and landlords very often demand it — and non-subscribers give up important legal defenses.
What does a workers' comp policy actually pay?
Medical care for a work-related injury or illness, a portion of lost wages while an employee recovers, and death benefits. The employer's liability side responds when an injury turns into a lawsuit against the business.
What is a non-subscriber, and is it cheaper?
A non-subscriber is a Texas employer that opts out of the workers' comp system, usually replacing it with an occupational accident plan. Premium can look lower, but you lose the exclusive-remedy protection that blocks employee negligence suits. We price both so the comparison is real numbers rather than a hunch.
How is my premium calculated?
Mostly by class code and payroll — what your employees actually do, and how much you pay them — adjusted by your claims history through an experience modifier once you're large enough to have one. Getting class codes right matters; miscoded payroll is one of the most common ways businesses overpay.
What is a workers' comp audit?
Carriers estimate premium from projected payroll, then audit at the end of the term against actual payroll. If you grew, you owe; if you shrank, you get money back. Keeping clean records — and telling us when your headcount changes — keeps audits boring.