Employer: Non-Covered Employers
Authored By: Texas Department of Insurance, Division of Workers' Compensation
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My Employer Does Not Have Worker's Compensation Insurance Coverage. What does that mean for me?
From Linked Resource:
Subscribing to workers' compensation insurance puts a limit on the amount and type of compensation that an injured employee may receive - the limits are set in the law. Being a "non-subscriber", i.e., going "bare" or without coverage, leaves an employer open to personal injury lawsuits from employees who are injured on the job - the damages and attorney's fees are almost unlimited - in addition, certain defenses available in most personal injury lawsuits, such as assumption of the risk, contributory negligence, "last clear chance", and co-worker negligence, are not available to a non-subscriber in a job injury case.