Workers Compensation Insurance in Dallas
Covers employee injuries on the job. Texas doesn't require it — but going without exposes your Dallas business to uncapped lawsuits.
What Workers Compensation Insurance Covers
Workers comp pays for medical treatment, lost wages, and rehabilitation when an employee is injured on the job. It also provides death benefits. In exchange, employees typically can't sue the employer for workplace injuries — this is the "exclusive remedy" protection.
Texas Workers Comp: Why You Need It Despite Being Optional
Texas is the only state where workers comp is truly optional. But "optional" doesn't mean "unnecessary." Without it, injured employees can sue you directly with no cap on damages. One serious injury can bankrupt your business. Most contractors, landlords, and GCs require it anyway.
What Workers Comp Costs in Dallas
Office employees ($250K payroll): $1,500 to $3,000/year. Construction ($500K payroll): $8,000 to $20,000. Restaurant ($300K payroll): $3,000 to $6,000. Classification code, payroll, claims history, and experience modifier are the main rating factors.
"We needed workers comp for 45 employees across three trades. Our agent found a carrier that cut our premium by 28% from what we were paying."
Frequently Asked Questions
Still have questions? Call us at (214) 555-0100 or request a free quote.
No. Texas is a "non-subscriber" state. But most contracts, leases, and GCs require it. Without it, you face unlimited lawsuit exposure for workplace injuries.
Your EMR compares your claims history to similar businesses. An EMR below 1.0 means fewer claims = lower premiums. Above 1.0 means more claims = higher premiums.
Generally no. But if a contractor is misclassified and should be an employee, you could be liable. We help you structure policies to address this risk.
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