What Workers' Comp Covers
Medical Care
Doctor visits, hospital stays and therapy for work-related injuries and illnesses.
Lost Wages
Income benefits while an injured employee is unable to work.
Employer's Liability
Defends your business if an employee sues over a workplace injury.
Death Benefits
Support for the family of a worker killed on the job.
Contract Compliance
The proof of coverage many general contractors and government jobs require before you bid.
Who We Help
Contractors & Trades
Restaurants & Retail
Ag & Oilfield Services
Offices & Small Teams
Workers' Comp FAQs
Is workers' comp required in Texas?
Not for most private employers. Texas lets them opt out, but those "non-subscribers" must file DWC Form-005 each year between February 1 and April 30 and post notices for employees.
What happens if I don't carry workers' comp?
Your business can be sued directly over workplace injuries, and many general contractors and public projects won't hire you without proof of coverage.
How much does workers' comp cost in Lubbock?
Premiums are based on payroll, job classifications and claims history. Office work costs far less than roofing. We'll compare options for your crew.