Workers' Compensation Basics

Nobody protects their neighbors like a texan

There’s a reason Texas Mutual Insurance Company is the leading provider of workers’ compensation in the state. Learn about workers’ comp and why choosing Texas Mutual helps your business thrive.

Español

Safeguarding your greatest asset – your people

A policy with Texas Mutual doesn’t just protect your business. We help promote safer workplaces, helping injured employees get back to work.

If an employee is injured or becomes ill on the job, 
a policy with us will:

  • Cover necessary medical treatment.
  • Replace part of lost income due to compensable injury or illness.
  • Provide legal protection against related claims.
  • Cover burial expenses up to $10,000 in the event of a work-related death.
  • Provide benefits to qualifying surviving dependents.
txm26-photogrid-portraits
What you need to know

Is workers' comp a requirement for 
all Texas businesses?

Texas is the only state where employers can choose whether to carry workers’ compensation insurance. However, certain employers — like public entities or those with government construction contracts — are required to carry workers’ comp.

Even though it’s optional for most businesses, coverage is strongly recommended to protect both your team and your business. It’s the only insurance that provides both medical and disability coverage for employees, while shielding policyholders from most lawsuits.

Subscribing to workers’ comp through a licensed carrier like Texas Mutual means peace of mind, stronger safety and support for getting injured employees back on the job.

IMG-3

Curious about 
your options?

Check out our helpful coverage guide:

Compare coverage
iStock-944885462

We service businesses outside of Texas, too

Texas Mutual offers coverage for businesses that have a Texas policy and locations outside of the state. Talk to an agent to see if your business qualifies.

Learn more
20250306_TexasMutual_09126
Common questions

Learn the basics

icon-bill
What are the costs of workers' comp?

We tailor premiums to reflect the specific characteristics of your business, including payroll size and the risk levels associated with the jobs you employ.

 icon-question-orange
What happens after I get a policy?

We make it easy to manage your policy and any claims online.

Texans love to help

Talk to your insurance agent about workers’ comp with Texas Mutual. Need help finding one? We’ll connect you.

Get in touch