Workers’ Compensation Insurance in Texas

Take care of your team—and your business.

Protecting the People Who Power Your Business

Accidents happen, even in the safest workplaces. Workers’ compensation insurance helps protect your employees and your business when someone gets hurt on the job. At Stieber Insurance Group, we help Texas employers meet their responsibilities with coverage that supports recovery, reduces risk, and helps businesses thrive.


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What Does Workers’ Compensation Insurance Cover?


This policy is designed to help both employers and employees after a workplace injury or illness.

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Medical Expenses

Covers hospital bills, doctor visits, medications, and rehabilitation services for employees injured at work.

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Lost Wages

Provides partial income replacement while an employee is unable to work due to a covered injury or illness.

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Disability Benefits

Supports employees with long-term or permanent injuries that limit their ability to return to work.

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Death Benefits

Provides financial assistance to the family of an employee who dies due to a work-related injury or illness.

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Employer Liability Protection

Helps cover legal costs if an injured employee sues your business for additional damages.

Workers’ Compensation FAQs

  • Q1: Is workers’ comp required in Texas?

    Texas is the only state that doesn’t require most private employers to carry workers’ comp—but choosing to have it is one of the smartest ways to protect your business.

  • Q2: What happens if I don’t have coverage and an employee gets injured?

    You could be personally liable for medical costs, lost wages, and legal claims. It’s a major risk that can put your business at serious financial risk.

  • Q3: Who is considered an “employee”?

    Full-time, part-time, seasonal, and temporary workers may all be eligible for coverage. Contractors may require separate policies.

  • Q4: Does this cover illnesses caused by work conditions?

    Yes—if the illness is directly related to the job environment (e.g., respiratory issues from chemicals), it’s typically covered.

  • Q5: Can I get coverage if I’ve had claims in the past?

    Yes. We work with carriers who offer solutions for higher-risk industries or businesses with prior incidents.

  • Q6: Can I bundle workers’ comp with general liability or property coverage?

    Yes—and doing so can make managing your insurance easier while maximizing savings and coverage consistency.

Take Care of Your Team—and They’ll Take Care of You

Workers’ comp is more than a policy—it’s a promise to your employees and your business. Let’s put smart protection in place, the Texas way.


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