Workers' Compensation Insurance Texas

Your Texas business deserves a partner who understands local labor laws and industry-specific risks.
• Deep understanding of Texas workers' compensation laws and regulations
• Expert knowledge of industry-specific risks and safety protocols
• Customized coverage options for businesses of all sizes across Texas
We go beyond standard workers' compensation policies by offering premium risk management services. Our enhanced coverage options include safety training programs, return-to-work assistance, and proactive claims management. This comprehensive approach helps reduce workplace incidents and minimize the impact of claims on your business.
• Construction Companies: High-risk work environments require robust coverage to protect against on-site injuries and comply with OSHA regulations.
• Oil and Gas Operations: Specialized coverage for the unique hazards faced by workers in Texas's booming energy sector.
• Healthcare Providers: Comprehensive protection for medical professionals against workplace injuries and occupational diseases.
• Manufacturing Facilities: Coverage for repetitive stress injuries, machinery accidents, and other industry-specific risks.

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.
Comprehensive protection for Texas businesses, addressing state-specific regulations and industry risks.

Workers' Compensation Insurance in Texas costs an average of $0.57 per $100 of payroll. However, your specific insurance cost depends on the following factors:
High-risk industries like construction or oil and gas extraction in Texas typically face higher premiums due to increased accident probability.
Larger payrolls generally result in higher premiums, as more employees mean increased exposure to potential claims.
A history of frequent or severe claims can significantly increase premiums for Texas businesses.
Implementing robust safety programs can lead to premium discounts, especially important in high-risk Texas industries.
Rates may vary across Texas regions due to factors like local healthcare costs and regional industry concentrations.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Workers' Compensation Insurance in Texas is a state-regulated insurance program that provides medical benefits and wage replacement to employees injured on the job. Unlike most states, Texas doesn't mandate private employers to carry this insurance, making it unique. However, employers who opt out become 'non-subscribers' and lose certain legal protections. In Texas, this insurance covers work-related injuries, illnesses, and deaths, regardless of fault.
Texas is the only state where private employers aren't required by law to carry Workers' Compensation Insurance. However, public employers and those contracting with government entities must have coverage. Despite being optional, many Texas businesses choose to carry it for protection against lawsuits and to ensure employee well-being. Non-subscribers must notify employees and the Texas Department of Insurance of their status annually.
Texas Workers' Compensation provides four main benefits: medical benefits for all necessary treatment related to the work injury; income benefits to partially replace lost wages; burial benefits in case of work-related deaths; and death benefits for dependents of workers who die from job-related causes. The Texas Department of Insurance oversees these benefits, ensuring they meet state standards. Benefit amounts are calculated based on the employee's average weekly wage.
Texas Workers' Compensation rates are generally lower than the national average. As of 2023, Texas ranks 36th in the nation for Workers' Compensation premium rates. This is partly due to the state's unique opt-out provision and competitive insurance market. However, rates can vary significantly based on industry risk factors. For instance, construction and oil field workers in Texas often see higher premiums due to increased workplace hazards.
In Texas, the Workers' Compensation claims process begins with the employee reporting the injury to their employer within 30 days. The employer then has 8 days to report it to their insurance carrier. The carrier reviews the claim and decides on benefits within 15 days. If approved, medical benefits begin immediately, and income benefits start on the 8th day of disability. The Texas Division of Workers' Compensation oversees this process and can assist with disputes.
In Texas, employers with Workers' Compensation Insurance can participate in healthcare networks. If they do, injured employees must choose doctors from within the network, except in emergencies. Outside these networks, employees have more freedom in choosing their treating doctor. However, they must select from doctors approved by the Texas Division of Workers' Compensation. This system aims to balance quality care with cost control in the Texas Workers' Compensation system.
Start Your Coverage Today
Request a Free Quote
For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.