Unlike most other states, Texas law does not require most businesses to carry workers’ compensation insurance.
That said, if your company plans to work with government agencies, you’ll most likely need to have workers’ comp. Workers’ compensation insurance is a requirement in Texas for:
Almost every type of business in Texas — whether you have employees or not — can benefit from the financial protection offered by workers’ compensation insurance.
But accidents that cause injuries can happen anywhere — even at desk jobs.
Going without workers’ compensation insurance in the state means you could be held responsible for expenses if you or an employee get hurt on the job.
If you consider the potential out-of-pocket expenses for an injury vs. the cost of workers’ comp in Texas, you might find that it’s a worthwhile investment.
If you or an employee are injured on the job, a workers’ compensation policy can help your business pay for:
Workers’ compensation does not cover incidents that are not job-related or situations when the injured person violates company policies, commits misconduct or uses drugs or alcohol.
Under Texas workers’ compensation law, if your company does not provide workers’ compensation insurance, employees can file a lawsuit to recover medical expenses or lost wages after a workplace injury.
For example, if your employee injures their back at work, your workers’ compensation insurance could provide coverage for emergency care, medical bills, and lost wages. If you don’t have an active policy, your employee could take legal action and ask you to pay for all associated expenses. The result could be a significant long-term financial loss for your business.
In the unfortunate event of the death of an employee, the Texas Department of Insurance death and burial benefits for workers’ compensation provides 75% of the deceased worker’s average weekly wage, up to an amount provided by the state.
These benefits are available to family members who relied on the worker for financial support, including:
It also covers burial expenses up to $10,000 and any transportation costs if the death occurred away from the usual place of employment.
Workers’ compensation costs vary across industries. Factors that influence price include:
Get a free instant quote in about 10 minutes from NEXT to see your workers’ comp insurance costs.
NEXT strives to resolve every claim quickly. Learn more about our claims process and how our claims advocates will work with you after an employee injury.
General liability insurance protects your business from common mistakes or accidents, such as customer injury or damages to someone’s property.
If you or your employees drive vehicles for work, you probably need commercial auto insurance. This provides coverage for accident-related expenses in a business-owned vehicle or a personal vehicle being used for work purposes.
Commercial property insurance can provide financial help if your business structures, goods, gear or inventory are damaged or destroyed by a covered event.
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