Workers' Comp for Texas Contractors
Workers Comp for Texas Contractors — What You Need to Know
Workers’ compensation insurance is required for most contractors
in Texas who have employees. As an independent insurance agency
specializing in contractor coverage, we help roofing, HVAC,
electrical, plumbing, and general contractors get competitive
workers comp rates across Texas.
We have access to standard and E&S (Excess and Surplus Lines)
markets for hard-to-place risks. Whether you have a high
experience mod rate, prior claims, or a difficult class code,
we can find coverage options other agents cannot access.
Why Texas Contractors Need Workers Compensation Insurance
Texas is one of the only states where workers compensation is
not mandatory for private employers. However, most general
contractors and project owners require subcontractors to carry
workers comp before they can work on a job site. Without it,
you lose access to contracts and expose your business to
significant financial risk.
If an employee is injured on the job without workers comp
coverage, you are personally liable for their medical bills,
lost wages, and potential lawsuits. A single serious injury
can cost hundreds of thousands of dollars out of pocket.
What Workers Comp Covers for Texas Contractors
Workers compensation insurance covers your employees if they
are injured or become ill due to their work. Coverage includes:
Medical expenses — doctor visits, hospital stays, surgery,
and rehabilitation costs for injured workers.
Lost wages — weekly benefits paid to injured employees while
they cannot work.
Permanent disability — benefits for workers who suffer
long-term or permanent injuries.
Death benefits — payments to the family of a worker who
dies due to a work-related injury or illness.
Employer liability — protection for your business if an
injured employee sues you directly.
How Workers Comp Rates Are Calculated for Texas Contractors
Workers comp premiums are based on several factors including
your payroll, the class codes assigned to your workers, and
your experience modification rate. The experience mod reflects
your company’s claims history compared to other businesses in
your industry.
A mod rate above 1.0 means you are paying more than the
average contractor in your class. A mod rate below 1.0 means
you have a better than average claims history and pay less.
We work with contractors to understand their mod rate and
find carriers that offer the most competitive pricing for
their specific situation.
E&S Markets for Hard-to-Place Texas Contractors
Some contractors struggle to find workers comp coverage
through standard insurance carriers due to their class code,
claims history, or industry type. Roofing contractors in
particular often face challenges getting affordable workers
comp in the standard market.
As an agency with access to Excess and Surplus Lines markets,
we can place coverage for contractors that other agents
cannot help. If you have been declined or non-renewed by
your current carrier, contact us for a quote.
We specialize in workers comp for Texas contractors across Dallas, Houston, San Antonio, Austin, and Fort Worth.
Get a competitive quote within 24 hours regardless of your claims history or experience mod rate.
Frequently Asked Questions
Do I need workers comp if I am a sole proprietor in Texas?
Sole proprietors without employees are generally not required
to carry workers comp. However, if you work as a subcontractor,
the general contractor may require you to have it or sign
a waiver of coverage.
How fast can I get a workers comp quote?
Most quotes are delivered within 24 hours. We just need basic
information about your business, payroll, and current coverage.
Can I get workers comp if I have a high mod rate?
Yes. We have access to standard and E&S markets that can
accommodate contractors with higher mod rates or prior claims.
