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Compare Texas Workers' Compensation Insurance Quotes
Texas is the only state where private employers can opt out of Workers' Comp—but opting out strips away statutory lawsuit immunity and blocks commercial GC contracts. Compare Texas Mutual and top A-rated WC carriers in minutes.
✓ Texas Mutual + 15 WC Markets
✓ Pay-As-You-Go Payroll
✓ Exclusive-Remedy Protection
30+ Texas Carriers Compared
Quote Texas Workers' Compensation
Enter your 5-digit Texas ZIP code to launch our guided Texas Workers' Compensation intake—zero duplicate typing.
Want to bundle another policy? Select multiple coverages in one intake →
Protect Your LLC From Tort Suits
Active Texas Workers' Comp grants 'Exclusive Remedy' protection under Tex. Lab. Code § 408.001, barring most employee negligence lawsuits.
Unlock Commercial Contracts
Government projects (Tex. Lab. Code § 406.096) and premier Texas general contractors require statutory WC + Waiver of Subrogation.
Owner Exclude / Include Choice
Exclude LLC members/corporate officers to keep startup payroll low, or include owners to satisfy strict jobsite rules.
What Texas Workers' Compensation covers — and Texas rules to watch
Plain-English underwriting guidance from licensed Texas producers so you never buy blind or miss a critical endorsement.
Core Protections
What’s Covered
- Part One — Statutory Texas Workers' Compensation: Pays 100% of reasonable, necessary medical care with zero employee copays plus statutory Temporary Income Benefits (TIBs), Impairment, Supplemental, and Death Benefits for on-the-job injuries.
- Part Two — Employers Liability ($1M / $1M / $1M): Protects your company against third-party-over claims, consequential spousal claims, and dual-capacity suits.
- Exclusive-Remedy Lawsuit Shield: Prevents injured employees from suing your business in Texas civil court for ordinary workplace negligence (unlike 'non-subscribers').
- Blanket or Specific Waiver of Subrogation: Available immediately for Texas construction, oil & gas, manufacturing, and staffing MSAs.
- Ghost / Minimum-Payroll Contractor Policies: Solo owner-operators who exclude themselves can still obtain a compliant COI where permitted, or carry minimum officer payroll.
- Pay-As-You-Go Payroll Integration: Connect Gusto, ADP, Paychex, or QuickBooks Payroll so premiums track actual real-time payroll without year-end audit surprises.
Texas Underwriting Watch-Outs
Exclusions, Deductibles & Endorsements
- The Texas 'Non-Subscriber' Penalty (Tex. Lab. Code § 406.033): If you choose NOT to carry Texas Workers' Comp and an employee gets hurt, Texas law strips you of ALL common-law defenses (even if the employee was 95% at fault!)—one fall can bankrupt an uninsured employer.
- Mandatory WC on All Texas Public / Government Building Projects: Under Texas Labor Code § 406.096, every general contractor and subcontractor working on a city, county, ISD school, or state public construction project MUST carry statutory Workers' Compensation.
- Mandatory DWC Form-005 Filing Even If Non-Subscribing: Texas employers with 5+ employees who do NOT carry WC are still legally required to file DWC Form-005 annually with TDI-DWC and post non-coverage notices.
- Texas Officers & LLC Members Default to INCLUDED Unless Excluded: Under Tex. Lab. Code § 406.097, corporate executive officers and LLC managers/members are often included at statutory payroll minimums/maximums unless a written exclusion election is executed at binding!
How We Shop Your Rate
One 3-minute intake. 30+ Texas carriers competing.
Skip repeating your details to five captive websites. Complete one structured Texas underwriting file and compare real bindable options.
Licensed Texas agent shops the panel
A licensed producer compares admitted and specialty underwriters for your exact Texas county, deductible preferences, and multi-policy discounts.
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Bind & receive official proof
Review side-by-side options by email, text, or phone—with same-day ID cards, lender binders, SR-22s, or commercial COIs once bound.
All 254 Texas counties
Comparing 30+ TDI-admitted Texas carriers across all 254 counties
+ 25 More Markets — Start Quote
Bundle & companion Texas coverages
Close dangerous policy exclusions and unlock multi-policy discounts by combining companion coverages in a single intake.
Smart Texas Pairing
Workers' Comp + General Liability
Deliver a complete GC-ready COI with $1M/$2M GL + Statutory Texas WC + Waivers of Subrogation.
Smart Texas Pairing
Workers' Comp + BOP
Package office, clinic, restaurant, or retail property/liability together with employee WC.
Smart Texas Pairing
Fleet + GL + Workers' Comp
Full three-line commercial contractor & trade fleet underwriting in a single intake.
Texas Workers' Compensation — Frequently asked questions
Answers to the most common Texas statutory, lender, and underwriting questions.
Private Texas employers are generally not required by statute to carry Workers' Comp EXCEPT on public/government construction contracts (Tex. Lab. Code § 406.096). However, commercial GCs, oilfield operators, and enterprise clients contractually require it—and carrying WC protects you from uncapped employee negligence lawsuits.
Under Texas Labor Code § 406.033, a non-subscribing employer sued by an injured worker cannot argue contributory negligence, assumption of risk, or fellow-employee fault—meaning if the company was even 1% negligent, it can owe 100% of damages.
Yes! Sole proprietors and partners are excluded unless elected in, while corporate officers and LLC members in Texas can sign a written exclusion endorsement if they only want to cover W-2 employees.
Rates are calculated per $100 of gross W-2 payroll by NCCI job classification code (e.g., 8810 Clerical vs. 5183 Plumbing/HVAC), adjusted by safety credits, carrier dividends, and your Experience Mod (if applicable).
Yes—Texas Mutual, The Hartford, Travelers, AmTrust, and Employers all offer low-down-payment Pay-As-You-Go reporting.