Texas Worker’s Compensation Insurance

Texas Worker's Compensation Insurance

What is Worker’s Compensation Insurance Coverage?

Texas employers, except for public entities, can choose whether 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).

I’ve been injured on the job, what should I do?

Covered Employers

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

Workers’ compensation doesn’t pay for injuries that:

The Texas Department of Insurance’s Division of Workers’ Compensation (DWC) regulates the state’s workers’ compensation system.

Texas doesn’t require most private employers to have workers’ compensation insurance. However, private employers who contract with governmental entities must provide workers’ compensation coverage for the employees working on the project. Some contractors may require their subcontractors and independent contractors to have workers’ compensation insurance.

Employers may not charge employees for workers’ compensation coverage. There are exceptions for independent contractors and building and construction workers.

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