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Does Texas require employers to carry workers’ comp insurance?

No. Texas is the only state in the country that does not require employers to carry workers’ compensation insurance, contrary to what many workers believe. That means thousands of workers find themselves on their own after being injured at work, unable to turn to their employers to cover medical bills and/or lost wages.

According to a recent article from HoustonPress, there are also an estimated 1.4 million Texas workers who have “non-subscription policies,” which allow employers to set their own terms for their workers’ comp coverage. For example, employers may require workers to report their injuries within 24 hours in order to be covered, while traditional policies give workers up to 30 days to report. 

Additionally, HoustonPress reported that, according to the Texas Department of Insurance, half of employers with non-subscription policies offer nothing to the families of workers who are killed on the job.

The secretary-treasurer of the union organization Texas AFL-CIO called the state's treatment of workers’ compensation “absolute corporate control with no oversight or accountability.” And injured workers are suffering as a result.

What to do after being injured on the job

Luckily, injured workers are not completely out of luck. They can turn to an experienced personal injury lawyer to fight for their right to compensation after being injured on the job.

In some cases, their lawyer may be able to supply what is called a “letter of protection” so that the worker can get medical treatment before the personal injury settlement comes through. The letter of protection is a guarantee made to hospitals that the medical bills will be paid with the personal injury settlement money.

For more information on a Texas worker’s rights after being injured on the job, talk to a personal injury lawyer in your area who focuses on workplace accidents.  

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