Use Case
Need Workers' Comp to Start a Job?
A GC just told you they need your workers' comp certificate before you can start. Maybe you've never had it, or your policy lapsed, or you just didn't think you needed it. Whatever the situation — we can help you get workers' comp in place quickly so you don't lose the job. This is one of the most common calls we get.
How Fast Can I Get Workers' Comp?
We can typically get you quoted within one business day. Once you choose a policy and it's bound, we issue your COI immediately. In urgent situations, call us directly at (361) 248-3307 and we'll prioritize your request. We've gotten contractors covered and on the job within 48 hours — sometimes faster.
Do I Really Need It?
Texas doesn't legally require most private employers to carry workers' comp. But here's the reality: if a GC or project owner requires it, you need it to work. Period. And if you have employees, going without it means you're personally liable for any workplace injury — medical bills, lost wages, lawsuits, all of it. We see this go wrong more often than we'd like.
Let's get this handled.
Tell us what you need — we'll start working on it today.
What If I'm a Sole Proprietor?
You can purchase workers' comp to cover yourself, which satisfies GC requirements. Some contractors opt for a workers' comp exemption, but many GCs won't accept it — especially on commercial or government jobs. We'll help you figure out the best approach for your specific situation.
What Does It Cost?
Workers' comp is based on your payroll and trade classification. For a small operation, it might cost $1,000–$5,000/year depending on your trade. Higher-risk trades like roofing pay more than lower-risk trades like painting. The only way to know your real number is to submit your info and let us shop it.
Ready to Get Started?
Submit your info and we'll get back to you — usually within one business day.
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.