Non-Subscriber Insurance for Texas contractors
Texas employers who operate outside the state WC system need non-subscriber benefit plans, occupational accident policies, and employer liability coverage to manage injury costs and lawsuit exposure. We design and place non-subscriber programs that fit your Texas business.
What it covers
- Occupational accident insurance with medical and disability benefits
- Non-subscriber benefit plan design and placement
- Employer liability coverage for non-subscriber negligence claims
- Group accident coverage for employee injury benefits
- Reporting and posting compliance for Texas non-subscribers
- Annual non-subscriber report filing guidance
Who it's for
- Texas non-subscribers who want some employee injury protection
- Employers who chose opt-out and now want to manage lawsuit exposure
- Texas businesses designing private benefit plans for injured workers
- Non-subscribers whose employees want injury benefit assurance
Why CCA
- We design non-subscriber programs that actually manage injury costs
- Occupational accident and employer liability placed together in one coordinated program
- We know Texas non-subscriber law — not just the marketing pitch for opt-out
Common questions about non-subscriber insurance
A non-subscriber benefit plan is a privately designed program — not WC — that provides some defined benefits to employees injured on the job. It can reduce lawsuit motivation and provide some injury protection, but the benefits and structure are whatever you design, not a statutory standard.
Not exactly. Occupational accident insurance provides specific benefit amounts for medical treatment, disability, and death — but doesn't provide the full statutory benefits of WC. It's better than nothing and can meaningfully reduce lawsuit motivation.
Yes — and without the standard WC defenses. A non-subscriber employee who is injured can sue the employer for negligence, and the employer cannot use contributory negligence or assumption of risk as defenses. This is the main risk of non-subscriber status.
Yes. Employer liability coverage can be added to protect against negligence claims from injured workers. We place employer liability alongside occupational accident coverage so non-subscribers have a coordinated response when an injury happens.
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.
Pair it with related coverage
Ready for a Texas workers' comp quote?
Get a 15-minute quote from specialists who know Texas WC — correct class codes, fast certificates, and honest non-subscriber guidance for all Texas contractor trades.