Texas is the only state that doesn't require most private employers to carry workers compensation insurance. That makes it optional — but going without is riskier than most Dallas business owners realize.
If you don't carry workers comp (called "non-subscriber" status), injured employees can sue you directly. You lose three common defenses: contributory negligence, assumption of risk, and fellow employee negligence. You're essentially wide open to lawsuits.
A single workplace injury lawsuit can cost $100,000–$500,000+ in legal fees and settlements. Workers comp caps those costs and eliminates the lawsuit risk entirely.
Any business with employees, especially:
Office workers: $0.20–$0.50 per $100 of payroll. Retail: $1.00–$2.50. Construction: $5.00–$15.00+. A small office with $250K payroll might pay $1,500–$3,000/year. A construction company with $1M payroll: $15,000–$40,000.
Texas doesn't require it, but the risk of going without is enormous. One serious injury without coverage can bankrupt a small business. The cost of workers comp is almost always less than the cost of one lawsuit.
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