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Workers' compensation
Medical care and lost wages for employees hurt on the job, plus protection for you against the lawsuit that can follow.
Start the workers' compensation application →- What it covers
- Medical treatment, with no deductible or copay to the employee
- A statutory portion of lost wages during recovery
- Permanent disability and death benefits
- Your defense if an injured employee sues the business
- What it doesn't cover
- Injuries that happen off the job
- Independent contractors, usually — though the state may reclassify them, which is where the audit bills come from
- Typical limits
- Medical and wage benefits are set by Texas statute. Employer's liability limits are separate and typically start at $1M.
- Worth knowing
- Texas is the one state where private employers can go without workers' comp. Going without exposes you to unlimited negligence suits and disqualifies you from most commercial contracts, so 'not required' rarely means 'not needed.'
Common questions about workers' compensation
What does workers' compensation cover?
Medical treatment, with no deductible or copay to the employee. A statutory portion of lost wages during recovery. Permanent disability and death benefits. Your defense if an injured employee sues the business.
What does workers' compensation not cover?
Injuries that happen off the job. Independent contractors, usually — though the state may reclassify them, which is where the audit bills come from.
What limits are typical?
Medical and wage benefits are set by Texas statute. Employer's liability limits are separate and typically start at $1M.
What should I watch out for?
Texas is the one state where private employers can go without workers' comp. Going without exposes you to unlimited negligence suits and disqualifies you from most commercial contracts, so 'not required' rarely means 'not needed.'