Medical Benefits
Coverage for eligible treatment and medical expenses related to a covered workplace injury.
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Employee & Business Protection
Workers’ Compensation
Coverage designed to support employees and businesses after covered work-related injuries.
Coverage overview
Coverage designed to support employees and businesses after covered work-related injuries.
Workers’ compensation can help with eligible medical expenses, lost wages, and rehabilitation when an employee experiences a covered workplace injury or occupational illness.
Coverage options
Lost Wage Support
Partial wage replacement for qualifying employees who cannot work after a covered injury.
Return-to-Work Support
Benefits that may help with rehabilitation and an employee’s safe return to work.
Employer Protection
Coverage that can help businesses respond to qualifying employee injury claims and related expenses.
FAQ
Frequently Asked Questions
Is workers’ compensation required in Texas?
Texas is the only state where most private employers can choose not to carry workers’ compensation. However, it is often required by contracts, by general contractors, and for work on government construction projects, and it protects the business from many employee injury lawsuits.
What happens if my business is a non-subscriber in Texas?
A non-subscriber must notify the Texas Division of Workers’ Compensation every year and tell employees that the business does not carry coverage. If an employee is hurt and sues, the business loses important legal defenses, such as arguing the employee was partly at fault, and can face a large judgment. Some non-subscribers buy an occupational injury policy instead, but it does not give the same legal protection.
How is the cost of workers’ compensation calculated?
Premium is based on payroll and the class code for each type of work. Each class code has a rate per $100 of payroll, so riskier jobs cost more than office work. Your claims history can raise or lower the price through an experience modifier, and the policy is usually audited after it ends to compare your estimated payroll with actual payroll.
Do I need to cover 1099 contractors or myself as the owner?
A worker paid on a 1099 may still count as an employee if you control how and when they work. If a subcontractor has no coverage of its own, your year-end audit may charge premium for their payroll, so always collect a certificate of insurance from subs. Owners, partners, and corporate officers can often choose to include or exclude themselves, depending on how the business is set up.