Workers' Compensation Insurance Texas

Protect your Texas workforce with comprehensive workers' compensation coverage tailored to meet state regulations and industry-specific needs.
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Custom-tailored policies for Texas specific risks

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Why Us?

Why Choose TWFG Commercial in 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

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Local Expertise
With over two decades of experience serving Texas businesses, our local insurance experts have an unparalleled understanding of the state's unique workers' compensation landscape. We stay up-to-date with Texas Department of Insurance regulations and provide tailored solutions that protect both employers and employees across the Lone Star State.
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Industry Expertise
Our team of certified insurance professionals specializes in workers' compensation coverage for high-risk industries prevalent in Texas, including oil and gas, construction, and healthcare. We maintain ongoing education in industry-specific safety protocols and emerging risks, ensuring your coverage remains comprehensive and current.
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Beyond Basic Coverage

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.

Ideal For

Who needs Workers' Compensation Insurance in Texas?

• 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.

In Texas's diverse and dynamic business landscape, workers' compensation insurance is crucial for protecting both employers and employees. While Texas is the only state that doesn't mandate private employers to carry workers' compensation insurance, many businesses choose to do so for several compelling reasons. For instance, the construction industry in Texas, which employs over 743,000 workers, faces high risks of falls, equipment injuries, and heat-related illnesses. Oil and gas operations, a cornerstone of the Texas economy with over 428,000 employees, require specialized coverage for unique hazards like explosions and exposure to harmful substances. Healthcare providers, numbering more than 1.5 million in Texas, need protection against needle sticks, back injuries from patient handling, and exposure to infectious diseases. Securing comprehensive workers' compensation insurance isn't just about legal compliance—it's about protecting your most valuable asset: your workforce. Contact our Texas office today to explore how we can safeguard your business and employees with tailored coverage options.
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Get Personalised Advice from Texas Insurance Experts

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.

Workers' Compensation Insurance Coverage Details

Comprehensive protection for Texas businesses, addressing state-specific regulations and industry risks.

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Comprehensive Coverage Explanation

Our Texas workers' compensation insurance provides comprehensive coverage for work-related injuries and illnesses. Key components include:
• Medical Expenses: Covers all reasonable and necessary medical treatment
• Lost Wages: Provides income benefits for employees unable to work
• Rehabilitation Services: Supports physical therapy and vocational rehabilitation
• Death Benefits: Offers financial support to dependents in case of work-related fatalities

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Industry-specific risks in Texas

Texas businesses face unique risks requiring specialized coverage:
• Construction: Protection against falls, equipment injuries, and heat stress
• Oil and Gas: Coverage for explosion risks, chemical exposures, and transportation accidents
• Healthcare: Protection against needle sticks, back injuries, and infectious disease exposure
• Manufacturing: Coverage for repetitive stress injuries, machinery accidents, and occupational diseases

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Minimum coverage requirements for Texas

While Texas doesn't mandate private employers to carry workers' compensation insurance, many choose to for protection. Key considerations include:
• Non-subscriber Liability: Employers without coverage lose certain legal defenses
• State Contracts: Many government contracts require workers' compensation coverage
• Industry Standards: Certain industries have de facto requirements due to risk levels
• Employee Protection: Coverage ensures workers receive benefits regardless of fault

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Enhanced Coverage Options for Texas Employers

Protect your Texas workforce with these critical enhancements:
• Employer's Liability Coverage: Additional protection against employee lawsuits
• USL&H Coverage: For businesses operating on navigable waters
• Stop Gap Coverage: For companies operating in monopolistic state funds
• Voluntary Compensation: Extends coverage to workers not typically covered

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Considerations for Local Businesses in Texas

Texas has unique workers' compensation regulations, being the only state where private employers can opt out of the system. However, 'non-subscriber' status comes with significant liability risks. In 2022, the Texas Department of Insurance reported 178,033 non-fatal workplace injuries and illnesses, with a rate of 2.1 cases per 100 full-time equivalent workers. The construction industry alone accounted for 22% of all workplace fatalities in Texas. Recent trends show a 15% increase in cumulative trauma disorder claims, particularly in manufacturing and healthcare sectors. Geographically, the Gulf Coast region faces higher risks of heat-related illnesses, while North Texas sees more slip-and-fall incidents during winter months. Understanding these local trends is crucial for effective risk management and appropriate coverage selection.
Expertise

How much does Workers' Compensation Insurance cost in Texas?

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:

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1
Industry Classification

High-risk industries like construction or oil and gas extraction in Texas typically face higher premiums due to increased accident probability.

2
Payroll Size

Larger payrolls generally result in higher premiums, as more employees mean increased exposure to potential claims.

3
Claims History

A history of frequent or severe claims can significantly increase premiums for Texas businesses.

4
Safety Programs

Implementing robust safety programs can lead to premium discounts, especially important in high-risk Texas industries.

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Geographic Location

Rates may vary across Texas regions due to factors like local healthcare costs and regional industry concentrations.

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Frequently Asked Questions

Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.

What is Workers' Compensation Insurance in Texas?
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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.

Are Texas employers required to have Workers' Compensation Insurance?
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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.

What benefits does Texas Workers' Compensation provide to injured employees?
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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.

How do Texas Workers' Compensation rates compare to other states?
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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.

What is the claims process for Workers' Compensation in Texas?
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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.

Can Texas employers choose their employees' treating doctors for work-related injuries?
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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.

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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.

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