Texas Construction WC for Texas contractors

Yes — falls are one of the most common WC claims in construction, and they're covered. WC pays for medical treatment and disability income while the worker recovers.

Workers who perform multiple types of construction work should be classified under the highest-rated applicable code for the majority of their work. We review your actual workflow and classify employees correctly from the start.

At year-end, the carrier audits your actual payroll by work type. Workers doing higher-rated work get reclassified upward if they were on a lower code. Correct classification from policy inception prevents audit shock.

Cost depends on your trade, payroll, and loss history. High-hazard trades like roofing pay more than low-hazard trades. We quote your actual situation in about 15 minutes — never a ballpark.

Yes. We write Texas workers' comp for contractors in all 254 counties — Houston, DFW, Austin, San Antonio, West Texas, Gulf Coast, and everywhere in between.

Most Texas WC programs can issue a certificate within 24–48 hours of binding. For urgent situations, call us directly at 844-967-5247.

Often yes. We have admitted and E&S market access for Texas contractors with prior loss history. Bring us your loss run and we'll find a market.

A Texas non-subscriber has opted out of the state WC system. Non-subscribers can design private benefit plans but lose standard employer negligence defenses. Employees can sue without the 'course and scope' burden.

Carriers audit actual payroll by class code at year-end. Wrong codes get corrected, and you owe additional premium if your work was higher-rated than your original estimate. Correct codes from day one prevent audit surprises.

Texas law doesn't require it, but most GC contracts do. We structure WC programs with subcontractor documentation so your payroll doesn't include uninsured sub workers at audit.

Class codes determine your premium rate. Roofing, framing, electrical, and HVAC each carry different rates. Misclassification gets corrected at audit — often with a large additional bill.

Yes — Texas WC covers occupational disease arising from the course and scope of employment, including silica, asbestos, and chemical exposure claims.

Yes. Corporate officers, LLC members, and owners may elect to be excluded from the WC payroll, reducing the premium while keeping employees covered.

Yes. We have specialty market access for Texas roofing, oilfield service, marine, industrial, and other high-hazard trades that standard carriers decline.

Trade type, payroll estimate, employee count, Texas locations, current coverage status, and loss history. A 15-minute call covers everything.

Yes. We structure programs that cover Texas employees when they cross state lines, coordinating coverage across states without gaps.

We provide 2-hour claims response and advocate for your crew throughout the claims process — not just at quote time.