Workers' Compensation insurance · Texas
Workers’ comp that protects your team and your business
Texas doesn’t require most private employers to carry workers’ compensation, but going without it can leave your business exposed to lawsuits after a workplace injury.
TexPro Insurance is an independent insurance agency based in Houston, Texas, licensed in Texas only, serving clients across the state with property and casualty coverage.
What it covers
What a Workers' Compensation policy can include
Coverage varies by carrier and policy form. Here’s what we typically review with you.
Medical benefits
Care for work-related injuries and illnesses.
Income benefits
Partial wage replacement while an employee can’t work.
Death benefits
Benefits to an employee’s family after a fatal workplace injury.
Employer’s liability
Legal defense if an employee or family sues your business.
Return-to-work support
Carrier resources that help injured employees get back to work.
Typical exclusions
Horseplay, intoxication, willful self-injury and off-duty recreation are usually excluded.
General summary only. The actual policy language controls, and all coverage is subject to underwriting approval.
Who it’s for
Is this you?
- Any Texas business with employees
- Operations using machinery or heavy equipment
- Contractors required to carry coverage by their clients
- Businesses deciding whether to subscribe or opt out
Texas is different
- Texas is the only state where most private employers can choose not to carry workers’ compensation. Employers who opt out are called non-subscribers.
- Non-subscribers have reporting and employee-notice duties to the Texas Department of Insurance, Division of Workers’ Compensation.
- Non-subscribers can lose certain legal defenses in injury lawsuits. Talk with us before deciding.
How TexPro helps
Advice first. Then the quote.
We start with your situation
What you own, what you drive, what you’d stand to lose. Coverage is built around that, not a template.
We shop multiple carriers
We compare coverage, limits, deductibles and price across carriers, and show you the differences side by side.
We stay with you
Changes, renewals, certificates and claims questions. You call the same Houston team that set up your policy.
FAQ
Frequently asked questions
Is workers’ comp required in Texas?
Most private employers aren’t required to carry it, but public employers and some contracts require it. Opting out has its own duties and risks.
How is the premium calculated?
Mainly by your payroll, job classifications and claims history.
What isn’t covered?
Injuries from horseplay, intoxication, willful self-injury and voluntary off-duty recreation are typically excluded.
General information only. Coverage depends on your policy; the actual policy language controls, and all coverage is subject to underwriting approval.
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Often reviewed together
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Ready to review your Workers' Compensation coverage?
Tell us what you need protected. A licensed TexPro agent will compare options from multiple carriers and walk you through them.