Workers’ Compensation Insurance in Texas

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Protecting Your Employees — and Your Business

In Texas, your employees are your most valuable asset — and keeping them protected is critical. Workplace accidents or illnesses can happen unexpectedly, and the financial impact can be devastating. Workers’ Compensation Insurance helps cover medical expenses, lost wages, and more, while also shielding your business from costly lawsuits. Even though it’s not mandatory for most Texas businesses, it’s one of the smartest investments you can make in your team and your company’s future.

What Workers’ Compensation Insurance Covers

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Medical Expenses

Pays for doctor visits, hospital stays, surgery, and rehabilitation costs if an employee is injured on the job.

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Lost Wages

Provides a portion of an employee’s income if they’re unable to work due to a workplace injury or illness.

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Disability Benefits

Offers financial support for employees who suffer temporary or permanent disabilities from a work-related incident.

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Death Benefits

Provides compensation to dependents if a workplace accident results in the loss of an employee’s life.

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Employer’s Liability

Covers legal costs if your business faces lawsuits related to workplace injuries not fully covered by workers’ comp.

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Why Choose DFG Insurance Solutions

  • Custom Policies That Fit

    From contractors to towing companies, we design coverage around your business — never one-size-fits-all.


  • Neighbors Who Care

    As a Texas-based, family-owned agency, we protect businesses and people we know and care about.

  • Trusted Carriers, Carefully Chosen

    We partner only with insurers who are affordable, responsive, and committed to paying claims fairly.

  • Clear, Straightforward Guidance

    We explain your options in plain language so you always know exactly what you’re covered for.

  • Direct Access to Dee and Team

    Every client has our personal numbers. When you call or text, you reach us — not a call center.

Let’s Clear the Confusion

Common Questions About Workers’ Compensation Insurance

  • Is Workers’ Comp required in Texas?

    Texas is unique — private employers aren’t legally required to carry workers’ comp (except certain construction contracts). However, businesses that opt out risk lawsuits and higher liability exposure.

  • What businesses benefit most from Workers’ Comp?

    Any business with employees benefits. High-risk industries like construction, contracting, and towing especially need coverage to stay competitive and compliant with contracts.

  • How are Workers’ Comp premiums calculated?

    Rates are based on payroll size, job classifications, industry risk level, and claims history. We’ll shop multiple carriers to secure the best fit for your business.

  • Does Workers’ Comp cover independent contractors?

    Generally, no. True independent contractors must carry their own coverage. However, many general contractors require subcontractors to provide proof of insurance.

  • What happens if I don’t carry Workers’ Comp in Texas?

    You may save on premiums short-term, but you lose legal protections and could face expensive lawsuits. A single injury claim could cost more than years of premiums.

Secure Your Team, Protect Your Business

Your employees deserve protection — and so does your business. With DFG Insurance Solutions, you’ll get a Workers’ Compensation policy that balances care for your team with financial security for your company.

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