Workers’ Comp: Do San Antonio Employers Need to Carry Workers’ Comp Insurance?

Workers’ compensation insurance is a crucial consideration for any business, but the requirements can vary significantly from state to state. If you own or manage a business in San Antonio, understanding Texas workers’ comp laws is essential for protecting your team and your company.

Is Workers’ Comp Required for San Antonio Employers?

Unlike other states, Texas does not require most private employers to carry workers’ compensation insurance. This means that, as a San Antonio business owner, you generally have the choice to opt in or out of the state’s workers’ comp system. However, there are important exceptions and factors to consider:

• Certain contractors working on government projects may also be required to carry workers’ comp.
• Some industries or contracts may have their own insurance requirements.

What Happens If You Don’t Carry Workers’ Comp?

If you choose not to carry workers’ compensation, your business becomes what’s known as a “non-subscriber.” As a non-subscriber, you may be exposed to greater liability if an employee is injured on the job. Employees can sue for workplace injuries, and you may lose certain legal protections that workers’ comp coverage provides.

Benefits of Carrying Workers’ Compensation Insurance

Even though it’s not mandatory for most employers in Texas, many businesses choose to carry workers’ comp for several reasons:

• It helps cover medical expenses and lost wages for employees injured at work.
• It can protect your business from costly lawsuits and employer liability.
• It demonstrates a commitment to employee safety and well-being.
• It may be required in certain situations.

How Our Team Can Help

At Bienvenido Insurance, our team can help you assess your risks, explain Texas workers’ compensation requirements, and find coverage options that fit your business. Whether you’re considering becoming a subscriber or want to explore alternatives, we’re here to guide you every step of the way.

Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.