Texas Contractor Workers’ Comp Insurance
Texas is the only state where WC is optional — but skipping it carries real risk. We quote WC for contractors across Texas, standalone or alongside your GL.
Texas WC — What Every Contractor Needs to Know
Texas doesn’t require most private employers to carry workers’ compensation insurance. That sounds like good news — but non-subscribers give up major legal protections. If an uninsured employee is hurt on the job, they can sue you directly in civil court, and you lose your standard defenses.
When WC Is Required Even in Texas
- Government contracts — state agencies, counties, and municipalities typically require WC
- GC subcontracts — most general contractors require all subs to carry WC before stepping on site
- Federal projects — required by federal law
- Motor carriers — separate mandate applies
What WC Covers
Medical Expenses
All reasonable medical costs for a work-related injury or illness, including ER, surgery, and rehab.
Lost Wages
Partial income replacement while an injured employee is unable to work.
Permanent Disability
Long-term or permanent impairment benefits for serious injuries.
Death Benefits
Payments to surviving family members if a work-related death occurs.
How Rates Are Calculated
Texas WC rates are based on payroll, class code (your trade), and your experience modifier (X-mod). Clean loss history = lower X-mod = lower premium. Carriers deviate from filed rates — shopping the market matters.
We work with multiple WC carriers for Texas contractors and can quote standalone WC or bundle it with your GL.
Ready to Get a WC Quote?
Talk to a specialist. We’ll review your payroll, trade, and loss history and quote the market for you.