Workers' Compensation Insurance

Texas businesses with employees face serious financial and legal risks from workplace injuries, and workers' compensation insurance protects both your workers and your company. While Texas doesn't require most private employers to carry workers' comp, having coverage prevents devastating lawsuits and provides essential benefits to injured employees. From construction companies in Austin to retail businesses in the Valley, protecting your team protects your business.

Workers' compensation covers medical expenses, lost wages, and rehabilitation costs when an employee is injured on the job or develops a work-related illness. If a worker falls from a ladder, is hurt operating machinery, or develops a repetitive stress injury, the policy pays for their treatment and compensates them for lost wages during recovery. This coverage applies regardless of who was at fault for the injury.

Death benefits provide compensation to an employee's family if a workplace accident or illness proves fatal. Having workers' comp demonstrates that you value your employees and provides them with security knowing they'll be protected if injured while working. In Texas's competitive labor market, this coverage can help you attract and retain quality workers.

Without workers' compensation, Texas employers can be sued by injured employees. These lawsuits can seek unlimited damages and threaten your business's survival. Workers' comp provides your exclusive remedy protection, preventing most lawsuits from injured workers. Employees receive guaranteed benefits without proving fault, and you avoid expensive legal battles.

Texas businesses in construction, manufacturing, hospitality, and other industries face daily injury risks. A serious workplace accident can result in hundreds of thousands of dollars in medical bills and lost wages. We help business owners across Texas understand their exposure and structure workers' compensation coverage that protects employees while keeping premiums manageable. Your workers are your most valuable asset—protect them and your business with proper coverage.