Workers' Compensation

What is Workers' Compensation Insurance?

Workers' compensation is insurance that provides cash benefits and/or medical care for workers who are injured or become ill as a direct result of their job. 

Who needs Workers' Compensation Insurance?

 Workers' comp insurance is required by law in almost every state. These laws are designed to ensure payment by employers for some part of the cost of injuries, or in some cases, of occupational diseases, received by employees in the course of their work. 

Texas doesn’t require most private employers to have workers’ compensation insurance. However, private employers who work on public projects must have workers’ compensation for the employees working on the project. Some contractors may require their subcontractors and independent contractors to have workers’ compensation insurance. 

Workers’ compensation doesn’t pay for injuries that:

  • Are intentional or self-inflicted;
  • Result from horseplay or voluntary drug or alcohol intoxication;
  • Are inflicted by someone for personal reasons unrelated to the job;
  • Result from voluntary participation in off-duty recreational, social, or sports events; or
  • result from “acts of God” (like floods or hurricanes), unless the job has a high risk of such injuries.

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