Texas workers compensation — lower your claims, lower your cost, protect your people

Texas does not require most private employers to carry workers compensation, but that does not mean every business should go without it.

Contracts, general contractors, job sites, clients, and certain projects may still require proof of workers comp before work begins. For businesses with employees or crews, workers comp is also an important part of protecting the business from employee injury exposure.

No. General liability insurance is mainly for third-party claims, such as customer injuries or property damage. Employee injuries are handled differently.

If an employee gets hurt on the job, workers compensation is the coverage that may respond if the business carries it. This is one reason many contracts ask for both general liability and workers compensation on a certificate of insurance.

The best long-term way to reduce workers comp cost is to reduce preventable claims and control claim duration. Shopping carriers can help, but your operations, safety habits, claims history, and experience mod often drive the long-term result.

That is why we focus on prevention, documented safety procedures, return-to-work planning, and claim review. Our risk management services for businesses are designed to help reduce preventable losses and strengthen how your business looks to carriers.

An experience modifier, often called a MOD, is a number used in workers compensation pricing that reflects your claim experience compared to similar businesses.

A higher MOD can increase workers comp cost. A better claims history and stronger safety performance may support better long-term results. This is why MOD reviews, claim reduction, and safety documentation matter so much for businesses with employee injury exposure.

Contractors may need workers compensation because of employees, crews, contract requirements, job-site rules, or general contractor requirements.

Even if a contractor is not required by state law in every situation, the jobs they want to win may still require proof of coverage. Learn more in our guide on workers compensation for contractors in Texas.

Yes, they can. Subcontractor and 1099 relationships can affect workers comp audits, classification, payroll exposure, and certificate requirements.

If your business uses subcontractors, you may need to collect certificates of insurance and confirm they carry the coverage required by your contracts. For a broader breakdown, read our guide on Texas contractor insurance requirements.

Yes. Workers compensation can usually be shown on a certificate of insurance when coverage is active and the certificate is requested for a contract, job site, client, or general contractor.

A certificate does not create coverage by itself. If the contract requires workers comp and the business does not carry it, the policy may need to be placed before the certificate can satisfy the requirement. Read our guide on certificates of insurance.