Is workers' compensation insurance required in Texas?

No. Texas is the only state where workers' compensation insurance is entirely optional for private employers. However, regardless of whether an employer carries WC insurance, notice and posting requirements under TX Labor Code §406.005 are mandatory for ALL employers.

What happens if a Texas employer opts out of workers' compensation (non-subscriber)?

Under TX Labor Code §406.033, non-subscriber employers lose three common-law defenses: contributory negligence, fellow servant doctrine, and assumption of risk. This means injured employees can sue the employer directly and the employer cannot use these defenses in court.

What notice must Texas employers post about workers' compensation?

All Texas employers — whether they carry WC insurance or not — must post a notice of coverage status in the workplace (DWC Notice 6 if covered, Notice 5 if not), under TX Labor Code §406.005 and 28 TAC §110.101. Failure to post is an administrative violation; TDI may assess administrative penalties of up to $25,000 per day per occurrence (§415.021).

When must a Texas employer notify new hires about workers' comp status?

Under TX Labor Code §406.005(b), employers must notify each new employee of the existence or absence of workers' compensation coverage at the time the employee is hired, in writing per 28 TAC §110.101.

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你的工伤保险通知，真的做对了吗？

你的工伤保险通知，
真的做对了吗？