Small Business Workers' Comp for Texas contractors
Small Texas contractors with 1–10 employees often get quoted on programs designed for large commercial accounts — wrong class codes, oversized deposits, and rates that don't fit a small payroll. We place small-employer Texas WC that fits your actual business.
What it covers
- Medical and disability benefits for small-employer employees
- Class codes matched to your small-business trade type
- Minimum-premium programs for contractors with minimal payroll
- No large deposit requirements on qualifying programs
- Certificates for small contractors required by GCs
- Year-end audit with straightforward payroll reconciliation
Who it's for
- Texas contractors with 1–10 employees
- Sole operators who recently hired their first employee
- Small subcontractors who need a WC cert but have minimal payroll
- Small businesses that have been declined or overpriced by standard carriers
Why CCA
- Small-employer programs with rates built for small payrolls — not large commercial scale
- Fast placement for small contractors who need a cert by a specific date
- We know which markets write small Texas WC and which ones don't
Common questions about small business workers' comp
Yes. WC is available for Texas employers of any size. We have programs for contractors with one employee. The premium is based on actual payroll, so a small payroll means a small premium.
Minimum premiums vary by carrier and trade. High-hazard trades like roofing carry higher minimums. For very small payrolls, minimum premium may be the binding constraint. We find markets with minimums that fit your scale.
Texas law doesn't require it — but once you have an employee, you have potential injury liability. A single workplace injury without WC can generate a negligence lawsuit that costs far more than years of WC premiums.
Small contractors in high-hazard trades are sometimes declined because their payroll is too small for the carrier's minimum program. We know which Texas WC markets write small accounts and route your application accordingly.
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.