Cover medical bills and lost wages when an employee gets hurt, and protect the company from the lawsuit that follows. Free quote in minutes.
Running a business in Texas means managing risk, and one of the most important risks involves your employees. Workplace injuries and illnesses can happen unexpectedly, and the financial, legal, and operational consequences can be significant.
Workers’ Compensation Insurance helps protect your business by covering medical expenses, lost wages, and related costs if an employee is injured or becomes ill due to work-related activities.
At TIA-Texas Insurance Agency, we help Texas employers find workers’ compensation solutions tailored to their industry, workforce, and risk level so you can focus on what matters most: growing your business.
Workers’ compensation insurance (workers’ comp) is a type of business insurance that provides financial protection for employees injured on the job. It helps cover:
This coverage also helps protect employers from certain legal liabilities associated with workplace injuries.
In Texas, workers’ compensation is optional for most private employers, but many businesses choose it for the financial protection and employee security it provides.
Workers’ compensation insurance typically includes the following key benefits:
This ensures your employees receive the care they need without undue financial burden.
Even though Texas does not require most private employers to carry workers’ compensation insurance, the benefits for both employees and employers are significant.
Without this coverage:
Providing workers’ compensation builds:
Whether you have a small team or a larger workforce, workers’ compensation insurance provides peace of mind and financial balance.
As an independent insurance agency, TIA-Texas Insurance Agency helps you compare options and find the coverage that best fits your business needs.
Tell us a little about yourself and a licensed Texas agent will send your personalized options — fast.
Prefer to talk? Call 713-921-8000
Protection built around what matters most to you.
If an employee is injured or becomes ill due to work conditions or activities, workers' comp may help pay for medical treatment, including hospital visits, medication, and rehabilitation.
Workers' compensation can provide income replacement when an employee is temporarily or permanently unable to work due to a covered injury or illness.
If a workplace injury results in a fatality, workers' compensation can provide death benefits to eligible beneficiaries, helping cover funeral costs and lost financial support.
Workers' comp helps protect employers from costly lawsuits related to workplace injuries in most cases. By providing statutory benefits, it helps limit your exposure to injury-related lawsuits.
Many policies include programs designed to help injured workers return to duty safely and as soon as medically appropriate. This can include therapy, retraining, and modified-duty support.
A local team, top carriers, and support that actually shows up.
Agents who know Texas coverage rules and minimums inside out.
We compare multiple A-rated insurers to find your best fit.
Get a tailored quote in minutes, with zero obligation.
We stand beside you from first quote through every claim.
Three simple steps to the right policy.
Tell us a few quick details about what you need to cover.
We match you with the right coverage at the right price.
Bind your policy with confidence and peace of mind.
No, most private employers are not required by Texas law to carry workers’ compensation insurance. However, it is strongly recommended for financial protection and employee security.
Coverage typically applies to injuries and illnesses that occur as a result of work activities or conditions. Coverage details depend on the specific policy.
Yes, policies often provide benefits that help replace wages lost due to an employee’s inability to work while recovering from an injury.
Without workers’ compensation, an injured employee may have broader legal grounds to file a lawsuit against the employer.
Premiums are based on industry classification, payroll size, claims history, and job risk factors.
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