Workers' Compensation Insurance
Texas doesn't require workers' comp — but going without it changes your liability exposure significantly if an employee is hurt on the job. We help you weigh the decision. We work with employers throughout Williamson, Travis, and Burnet counties.
Workers' comp at a glance
- Medical expenses & lost wages
- Employer's liability coverage
- Disability & death benefits
- Guidance on Texas's non-subscriber option
No spam, no obligation — a licensed Texas agent follows up directly.
Coverage for employees hurt on the job
Workers' comp covers your employees directly and protects your business from many related lawsuits.
Medical Expense Coverage
Medical treatment for an employee injured or made ill by their work.
Lost Wage Benefits
Partial wage replacement while an injured employee is unable to work.
Employer's Liability
Coverage for certain lawsuits related to a workplace injury, even outside the workers' comp system.
Disability Benefits
Coverage for temporary or permanent disability resulting from a covered workplace injury.
Return-to-Work Support
Many carriers offer resources to help injured employees return to work safely.
Death Benefits
Benefits for dependents in the event of a work-related fatality.
Honest guidance on a decision Texas leaves up to you
Independent, not captive
We shop your risk across multiple commercial carriers instead of steering you toward one company's appetite.
We know hard-to-place accounts
Contractors, restaurants, manufacturers, and other specialty risks are markets we work in regularly, not occasionally.
One point of contact
Certificates of insurance, renewals, and midterm changes go through your agent directly, not a support queue.
Helping Central Texas employers weigh the non-subscriber decision
Texas is one of the few states where workers' compensation isn't mandatory — employers can choose to be a "non-subscriber" instead. That choice comes with real trade-offs: non-subscribers lose certain legal defenses and can be sued directly by an injured employee outside the workers' comp system. We walk employers through both paths honestly rather than assuming one is obviously right.
Workers' compensation questions
Is workers' compensation required in Texas?
No — Texas is a non-subscriber state, meaning employers can choose not to carry workers' comp. However, opting out removes certain legal protections and can expose the business to direct lawsuits from injured employees.
What happens if I don't carry workers' comp and an employee is hurt?
As a non-subscriber, you lose common law defenses (like contributory negligence) in a lawsuit, which can significantly increase your liability exposure. Many employers choose to carry coverage — or a non-subscriber occupational accident policy — specifically to manage that risk.
How are workers' comp rates calculated?
Rates are based on your industry classification codes, payroll, and claims history. We'll walk through how your specific operations are classified, since misclassification can mean overpaying.
Do I need workers' comp if I only have one or two employees?
It's worth evaluating regardless of headcount — a single serious injury claim without coverage or a solid non-subscriber plan in place can be financially significant for a small business.
Ready to talk through your options?
Tell us about your business and we'll walk you through subscriber vs. non-subscriber coverage.