Workers' compensation in San Antonio
Texas lets employers opt out of workers' comp. We explain what that really means for your crew, your contracts and your liability.
How we approach workers' comp coverage
Texas is the only state where most private employers may choose not to carry workers' compensation. Nonsubscribers lose important legal protections, and many general contractors will not hire subcontractors without it.
We compare traditional workers' comp, pay-as-you-go payroll billing and occupational injury plans, and help you document safety programs that can lower your experience modifier over time.
- Class code audit before you buy
- Pay-as-you-go payroll billing
- Certificates for general contractors
- Audit preparation help
What's included
Core protections and the options our agents most often recommend. Exact coverage depends on the carrier and your policy terms.
Medical care
Treatment for work-related injuries and illnesses.
Lost wage benefits
Income replacement while an employee recovers.
Employer's liability
Lawsuits related to workplace injuries.
Pay-as-you-go billing
Premiums based on actual payroll each pay period.
Return-to-work support
Programs that help employees come back safely.
Contract compliance
Certificates and waivers of subrogation for GCs.
How getting covered works
- 1
Payroll and job class review
Correct class codes keep your premium accurate.
- 2
Subscriber or nonsubscriber
A plain comparison of risk and cost.
- 3
Quote and payment plan
Traditional or pay-as-you-go options.
- 4
Safety and renewal planning
Steps that improve your mod rate.
What affects your price
Carriers weigh these factors differently, which is exactly why comparing several of them pays off.
- Class codes
- Roofing and framing rate far higher than clerical work.
- Payroll
- Premium is calculated per $100 of payroll.
- Experience modifier
- Your claims history compared to similar employers.
- Safety programs
- Written programs can earn carrier credits.
Workers' comp insurance questions
More answers on our FAQ page.
Most private employers are not required to carry it, but public contracts and many general contractors require it. Nonsubscribers must file an annual notice with the Texas Department of Insurance.
Yes. Owners can often elect coverage for themselves, which some contracts require.
The carrier compares estimated payroll to actual payroll and adjusts the premium. Pay-as-you-go billing reduces surprises.
Often paired with workers' comp
Business owners policy
Property, general liability and business income combined for small businesses.
View coverage
Commercial auto insurance
Liability and physical damage for vehicles used for work, from one truck to a small fleet.
View coverage
Life insurance
Term, whole and final expense life insurance with plain-language needs analysis.
View coverageCompare workers' comp quotes today
Real agents in San Antonio, answers in English or Spanish, and no obligation to switch.
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