Workers’ Compensation Insurance in Texas — Protect Your Team & Your Business
Texas Doesn’t Always Require Workers’ Comp — But It’s Smart for Most Businesses
Texas is unique: most private employers aren’t required by law to have workers’ compensation. But many businesses choose it anyway — because one injury can mean massive medical bills, lost wages, and legal exposure. Workers’ comp covers employees for job-related injuries and illnesses, and it shields your company from most lawsuits. Willingham Insurance Agency makes getting covered simple, affordable, and tailored for your needs.
What Does Workers’ Compensation Cover?
Medical Expenses
Pays for doctor visits, hospital bills, rehab, and prescriptions related to workplace injuries or illness.
Lost Wages
Covers a portion of the employee’s pay while they recover and can’t work.
Rehabilitation Support
Helps injured workers get back on the job, including therapy and retraining if needed.
Death Benefits
Provides financial support to families if a workplace accident is fatal.
Who’s Protected:
Workers get care and financial support; employers gain legal protection (employees generally can’t sue if covered).
Is Workers’ Comp Right for My Texas Business?
Even if you’re not legally required, most businesses with employees should carry workers’ comp. Many contracts, especially in construction or government work, require it. And the cost of a single injury — like a $30,000 broken leg — can devastate a small business if uninsured.
Texas Workers’ Comp Non-Subscriber? We Have Options.
If you opt out of the state workers’ comp system (“non-subscriber”), you must notify employees and the state and you lose key legal protections. Willingham Insurance can advise on alternative occupational accident or injury benefit plans, but standard workers’ comp is the gold standard for simplicity and coverage.
Smart Coverage, Competitive Rates, and Support for Safety
We shop top carriers to find the best rate for your business, and can advise on safety programs or return-to-work plans that may help lower your premium. With decades of experience helping West Texas businesses, we make sure your coverage fits your needs and budget.
Your Workers’ Comp Questions, Answered
Is workers comp required in Texas?
Not for most private employers — but many choose it, and some industries/contracts require it.
What does workers compensation cover for employees?
Medical bills, a portion of lost wages, rehab, and death benefits for work-related injuries or illness.
How does workers comp work for Texas employers?
It pays covered costs for employee injuries/illness, and generally shields your business from lawsuits.
What’s the cost of workers comp insurance in Texas for small business?
Premiums vary by industry, payroll, and claims history. We compare carriers for your best value.
Keep Your Team Safe and Your Business Protected — Request a Workers’ Comp Quote
Protect your people, your company, and your peace of mind with workers’ compensation coverage from Willingham Insurance Agency.