Coverage
Workers' Compensation Insurance for Texas Contractors
Here's the thing about workers' comp in Texas — it's technically not required for most private employers. But that doesn't mean you don't need it. Most GCs won't let you on a commercial job without it, and if an employee gets hurt and you're uninsured, you're personally on the hook for every dollar. We see contractors skip this to save money, and then one injury puts them out of business. Don't be that guy.
What Workers' Compensation Covers
Medical expenses for work-related injuries and illnesses
Lost wages while an employee recovers
Rehabilitation and physical therapy costs
Death benefits for fatal workplace accidents
Legal defense if an employee sues over a workplace injury
Employer's liability coverage
Who Needs Workers' Compensation?
Contractors with W-2 employees — this is the big one
Subcontractors required to show workers' comp by a GC
Contractors bidding on commercial or government projects
Any contractor who wants to protect against employee injury lawsuits
Businesses where employees face physical job-site risks daily
Need Workers' Compensation Coverage?
We shop multiple carriers to find the best rate for your business.
Common Claims Examples
A roofer falls from a ladder and breaks their leg — $40,000+ in medical bills
An electrician gets shocked while working on a panel and needs surgery
A concrete worker develops chronic back problems from years of heavy lifting
An HVAC technician gets heat exhaustion working in a Texas attic in July
Frequently Asked Questions
Get a Workers' Compensation Quote
Tell us about your business and we'll shop carriers for the best rate.
Let's get your coverage figured out.
Submit your info and we'll shop options from multiple carriers. Most quotes come back within one business day.