Workers' Compensation Insurance for Texas Contractors
Texas is one of the only states where workers' comp isn't legally required for most private employers — but that doesn't mean you don't need it. Most GCs require it from every sub on their jobs, regardless of state law. And if one of your employees gets hurt without it, you're personally on the hook for their medical bills and lost wages. We help contractors get workers' comp set up fast, even if you've been turned down before.
What It Covers
- ✓Medical expenses for work-related injuries and illnesses
- ✓Lost wages while an employee is unable to work
- ✓Rehabilitation costs to help employees return to work
- ✓Death benefits for families of workers killed on the job
- ✓Employer's liability — lawsuits from injured employees
Who Needs This Coverage
- →Contractors with employees working on job sites
- →Subcontractors required by GCs to carry workers' comp
- →Contractors bidding on commercial or government projects
- →Any business where employees perform physical labor
- →Sole proprietors who want personal injury coverage
Common Claims We See
Frequently Asked Questions
Is workers' comp required in Texas?
Texas doesn't require most private employers to carry workers' comp — but most GCs require it from every subcontractor on their jobs. If you want to work on commercial projects, you almost certainly need it.
What happens if I don't have workers' comp and an employee gets hurt?
Without workers' comp, you're personally liable for the employee's medical bills, lost wages, and potentially a lawsuit. In Texas, injured employees can sue non-subscribers directly — and juries tend to side with injured workers.
Can I get workers' comp as a sole proprietor?
Yes. Sole proprietors can elect to cover themselves under a workers' comp policy. This is often required by GCs even for one-person operations.
How much does workers' comp cost?
Costs are based on your payroll and the type of work your employees do. High-risk trades like roofing pay more per $100 of payroll than lower-risk trades. We'll get you quotes from multiple carriers.