Workers' comp for landscapers in Texas

Texas

Texas is the only state where most private employers can choose not to carry workers' comp. But going without it means giving up important protections if a worker sues.

Texas businesses: call 954-559-2652

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Why carry comp in Texas if it's optional?

✓Without comp, an injured worker can sue you, and you lose defenses like 'the worker was careless' or 'a coworker caused it.'
✓With comp, the law shields you from most of those lawsuits.
✓Government contracts require comp, and a lot of commercial and HOA customers do too.
✓If you go without it, you have to notify your employees and file an annual notice with TDI-DWC.

What the law says

Tex. Lab. Code §406.002, §406.033

Official source: Texas Department of Insurance, Division of Workers' Compensation

General information, not legal advice. Laws change; confirm with the state agency.

When does your policy renew?

If it's more than 60 days out, get an indication now and hold it against the renewal when it lands. Within 60 days of your renewal or effective date, we work a real quote.

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