Workers' Comp Insurance for Texas Employers
Workers' compensation rules in Texas can cost you thousands if you get the classification, audit, or carrier choice wrong. The Workers' Comp Experts are a licensed broker helping Texas employers shop multi-carrier quotes, survive audits, and protect their experience modification rate. We've helped employers across Texas's top industries — oil and gas, construction, agriculture, logistics, and H-2A — lower premiums and stay compliant.
Workers' Comp Basics for Texas Employers
Required for
optional — Texas is a non-subscriber state employees. Coverage is available through any authorized Texas carrier via our broker network.
Rating bureau
TDI sets the loss costs and class codes used to calculate your premium.
Last-resort market
Texas Mutual Insurance Company. Typically 20-50% more expensive than the voluntary market.
Texas Industries We Cover
We write workers' comp for employers across Texas's biggest industries — and specialize in the payroll-swing, classification, and compliance issues each one faces.
- oil and gas
- construction
- agriculture
- logistics
- H-2A
Texas Workers' Comp by Industry
Industry-specific guides with Texas rules, class codes, and audit traps:
Frequently Asked Questions
Is workers' compensation required in Texas?
Texas requires workers' compensation coverage for employers with optional — Texas is a non-subscriber state employees. Penalties for operating without coverage include fines, stop-work orders, and personal liability for owners if an injury occurs.
Who rates workers' comp policies in Texas?
TDI rates policies in Texas. Your premium is based on payroll, classification codes, and your experience modification factor (E-Mod).
What is Texas's assigned-risk pool?
Texas Mutual Insurance Company is the last-resort market for employers who can't get coverage in the voluntary market. Rates are typically 20-50% higher than the voluntary market, and exiting requires a documented loss-control plan at your next renewal.
Talk to a Texas-licensed broker
Get a no-pressure review of your current policy, audit exposure, and class codes. We'll tell you exactly what we'd change and why.
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