Workers’ Compensation Insurance in Texas

Protecting Your Employees—and Your Business

Even though it’s not required by Texas law for most employers, workers’ compensation is one of the most valuable policies you can carry. It helps protect your team and shields your business from costly lawsuits and out-of-pocket expenses.

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What’s Included in Workers’ Comp Coverage

Our Houston-area clients often choose:

Medical Expenses

Covers doctor visits, hospital bills, prescriptions, and rehab for work-related injuries or illness.

Lost Wages

Replaces a portion of employees' income if they’re unable to work during recovery.

Disability Benefits

Covers both partial and total disability from workplace accidents

Death Benefits

Provides compensation to the family of a worker who dies on the job.

Employer’s Liability Protection

Covers legal defense and settlements if an injured worker sues you.

Return-to-Work Support

Helps fund rehabilitation programs and modified duty arrangements.

 Workers’ Compensation Insurance FAQs

  • Is workers’ comp required in Texas?

    Not for most private employers, but many contracts and jobsites demand it.

  • Does workers’ comp cover independent contractors?

    No—but misclassifying workers can create legal issues. We can help review.

  • Can I be sued if I don’t carry workers’ comp?

    Yes—without it, you lose certain legal protections under Texas law.

  • What does “non-subscriber” mean in Texas?

    It refers to employers who don’t carry workers’ comp. This comes with significant risk and complexity.

  • Can part-time employees be covered?

    Yes—coverage applies to part-time, full-time, and seasonal employees.

  • How are premiums calculated?

    Based on payroll, job classification, and claims history.

Support Your Team, Protect Your Business

At DeShazo Insurance, we help you care for your employees while meeting legal requirements. From injury claims to return-to-work support, we’ll make sure your business is covered and compliant.