Coverage lines

Texas workers' comp built line-by-line for every Texas contractor trade.

Each program below addresses a specific Texas contractor type — from the general contractor managing multiple job sites to the roofing crew with high-hazard WC classifications to the Texas non-subscriber evaluating the opt-out decision.

Essential coverage

General Contractor Workers' Comp

Texas general contractors managing multiple crews, subcontractors, and job sites need workers' compensation structured for their actual exposure. We place GC-specific WC programs that cover your employees correctly, coordinate with sub requirements, and hold up at audit.

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Subcontractor Workers' Comp

Texas subcontractors are frequently required by GCs to carry workers' compensation or produce a valid exemption. We place subcontractor WC programs that generate the certificates your GC requires, with the right class codes for your trade and a rate that reflects your actual risk.

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Texas WC Opt-Out Guidance

Texas is the only state where workers' compensation is not mandatory for most employers. We advise contractors on non-subscriber status, posting requirements, TDI reporting, and the legal tradeoffs so you can make an informed decision — not just assume opt-out is always the right move.

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Non-Subscriber Insurance

Texas non-subscribers — employers who opt out of WC — face unique liability exposure. We place non-subscriber benefit plans, occupational accident policies, and employer liability coverage designed to manage injury costs and reduce lawsuit exposure for Texas employers who choose to operate outside the WC system.

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Texas Construction WC

Construction workers' comp in Texas covers the real injury patterns on job sites — falls, tool and equipment injuries, overexertion, and struck-by incidents. We place construction WC programs with correct trade class codes for framing, concrete, electrical, plumbing, HVAC, roofing, and general construction.

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Small Business Workers' Comp

Small Texas contractors with 1–10 employees often pay more than necessary for workers' comp because they're quoted on generic programs rather than trade-specific rates. We place WC for small Texas businesses with rates that reflect your actual trade, payroll, and loss history.

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Texas Roofing Workers' Comp

Roofing is one of the highest-hazard trades in Texas — and roofing WC premiums reflect that. We have access to specialty markets for Texas roofing contractors that write roofing WC at competitive rates and with class codes that match your specific work: residential, commercial, metal, or repair.

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Texas HVAC Workers' Comp

Texas HVAC contractors — from residential service technicians to commercial mechanical crews — need workers' comp rated for the real exposures in the trade: ladder and rooftop work, electrical hazards, refrigerant handling, and heavy equipment. We write HVAC WC with class codes that fit your work.

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Not sure which Texas WC program fits?

Most Texas contractors need a trade-specific WC program with correct class codes. We'll match your trade, payroll, and Texas status in one call.

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