Workers’ compensation pays medical bills and lost wages when an employee is injured or becomes ill on the job, and it shields your business from the lawsuits that can follow. Texas is unusual in that private employers aren’t generally required to carry it — but going without it (“non-subscribing”) exposes you to serious liability, and many clients and contracts require proof of coverage. We place comp with strong carriers, including Texas Mutual, and right-size it to your payroll and class codes.
Who this is for
Employers with staff
Any Texas business with W-2 employees on the payroll.
Contractors
General contractors routinely require subs to carry their own comp.
Growing teams
Adding employees? Comp protects them and caps your exposure.
What it covers
- Employee medical expenses
- Lost wages / disability benefits
- Rehabilitation costs
- Employer’s liability protection
- Death & survivor benefits
- Pay-as-you-go payroll options
Texas is different: subscriber vs. non-subscriber
Texas is the only state that lets most private employers opt out of workers’ compensation. Going without it makes you a “non-subscriber” — and while that saves a premium, it strips away comp’s biggest benefit: legal protection. Non-subscribers can be sued directly by an injured employee, lose key common-law defenses, and face open-ended damages a court decides.
Carrying comp caps that exposure: it pays defined benefits and, in exchange, generally shields you from injury lawsuits. For most employers with real payroll, that trade is well worth it — and we’ll help you weigh it honestly for your situation.
What workers’ comp pays for
When an employee is hurt or becomes ill on the job, comp covers:
- Medical expenses tied to the injury or illness
- Lost wages and disability benefits while they recover
- Rehabilitation and return-to-work costs
- Death and survivor benefits in the worst cases
- Employer’s liability — your defense if you’re sued over a workplace injury
How premium works — and pay-as-you-go
Workers’ comp premium is driven mainly by your payroll and the class codes for the work your team does — a roofer’s rate is very different from an office assistant’s. We classify your business correctly (misclassification costs you money both ways) and can set up pay-as-you-go billing so your premium tracks actual payroll instead of a big upfront estimate and a surprise audit bill.