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Workers' Compensation in Texas

What is Worker's Compensation Insurance Coverage?

Texas employers, except for public entities, can choose whether or not to provide workers' compensation insurance coverage for their employees. Workers' compensation provides covered employees with income and medical benefits if they are injured on the job or have a work-related injury or illness. Workers' compensation is regulated by the Texas Department of Insurance, Division of Workers' Compensation (TDI-DWC).

Covered Employers

Participation in the workers' compensation system in Texas is voluntary for most employers. Employers who choose to have worker's compensation may:

  • Purchase a workers' compensation insurance policy from a private insurance company;
  • Self-Insure, if the employer can meet the requirements to self-insure under the Texas Workers' Compensation Act (the Act) and is certified through the TDI-DWC;
  • Self-Insure  through the Texas Department of Insurance with a group of same or similar private employers; or
  • If a governmental entity, purchase a workers' compensation policy from a private insurance company, or self-insure either individually or as a group.

With few exceptions, worker's compensation insurance limits the employer's liability for a work-related injury or death sustained by the employee.

For additional information visit the TDI website for:

Non-Covered Employers

Non-covered employers are employers who DO NOT  have worker's compensation insurance coverage, non-covered employers must comply with certain worker's compensation requirements.