Is Your Team Covered—Even if Texas Doesn’t Require It?
Texas stands out: most private employers aren’t legally required to carry workers’ comp, but going without can leave your business and people exposed. One serious injury could mean massive medical bills, lost wages, and lawsuits—especially if you’re a non-subscriber. Workers’ comp pays for care and wage replacement no matter who’s at fault, helping you look after your team and avoid costly legal battles. Broken Spoke Insurance guides Texas businesses through the options, whether you’re subscribing, going non-subscriber, or just want affordable coverage for peace of mind.
Problems We Solve Every Day
Medical Costs for Workplace Injuries
Covers emergency care, doctor visits, prescriptions, and rehab for employees hurt on the job.
Lost Wages and Disability
Pays a portion of lost wages if an employee can’t work—helping families stay afloat during recovery.
Legal Protection for Employers
Subscribing employers are shielded from most lawsuits related to work injuries; non-subscribers face higher legal risks.
Death and Survivor Benefits
Provides payments to families if the worst happens, giving support when it’s needed most.
Coverage for All Industries
Whether you run a farm, machine shop, restaurant, or office, we tailor policies to your operations and payroll.
Common Mistakes That Can Cost You
Assuming “opt-out” means zero risk for your business
Failing to notify employees or the state if you choose non-subscriber status
Underestimating payroll or job risk classifications (which can lead to penalties or overpaying)
Not maintaining alternative coverage if you opt out
Ignoring safety programs and audits that can lower premiums or earn carrier dividends
Quick Guidance for Common Situations
Do I Really Need Workers’ Comp?
You’re not required by Texas law (unless in certain public contracts), but coverage protects your business and your people.
What if I Opt Out?
You must notify employees and the state—and you lose many legal protections. Broken Spoke can help you secure accident or occupational injury policies as alternatives.
How Are Premiums Set?
Rates are based on payroll, job risk, claims history, and safety programs. We help you classify correctly and shop both private carriers and the Texas Mutual state fund.
Want to Improve Safety or Lower Costs?
We advise on safety resources and audits that can help prevent claims and may qualify you for dividends.
Bring in Experienced Guidance
Most owners only realize the importance of workers’ comp after facing a close call or lawsuit. The next step is connecting with advisors who know Texas’s unique rules and can help you protect your business and team—whether you subscribe or not.
How We Make This Simple for You
We start with a risk and payroll review, then quote both private and state fund options. Once you enroll, we handle paperwork, state notifications, and ongoing support for audits, claims, or changes. You get honest advice—never pressure—about what’s right for your business.
Compare Your Options Clearly
| Scenario/Need | Workers’ Comp Subscriber | Non-Subscriber | Occupational Accident Policy |
|---|---|---|---|
| Covers medical bills and lost wages | Yes | Sometimes | Yes (limits vary) |
| Shields from most employee lawsuits | Yes | No | No |
| Required for public contracts | Yes | No | No |
| State notification needed | No (unless cancellation) | Yes | Sometimes |
| Premiums based on payroll/class | Yes | No | Yes |
Not sure what’s right for your business? We’ll walk you through every option.
Your Questions, Answered Clearly
Is workers’ comp required in Texas?
No, most private employers aren’t required to carry it, but coverage is still a smart move.
How does workers’ comp work?
It covers medical bills and wage loss from work-related injuries—regardless of who was at fault.
How much does workers’ comp cost?
It’s based on your industry, payroll, and claims history. We shop both state and private markets to find affordable rates.
What if I have no coverage and an employee is hurt?
You may face lawsuits, paying all costs out of pocket, and lose certain legal defenses.
Can you help with safety programs or cost control?
Yes—we connect clients to safety resources, audits, and carrier dividend opportunities.
Take Care of Your Team—And Your Business
The right coverage means peace of mind for your people and your company. Let Broken Spoke Insurance help you navigate Texas’s unique workers’ comp system, protect your crew, and avoid devastating costs from an unexpected injury.