Subcontractor Workers' Comp for Texas contractors
Texas subcontractors are frequently required by GCs to carry workers' compensation or produce a valid certificate before stepping on a job. We place subcontractor WC with the right class codes for your trade and fast certificate turnaround so a missing cert never costs you a contract.
What it covers
- Medical and wage replacement for injured subcontractor employees
- Class codes matched to your specific trade
- Certificates accepted by Texas GCs and project owners
- Employers' liability (Part Two) protection
- Named additional insured endorsements when required
- Audit management to prevent year-end premium surprises
Who it's for
- Texas subcontractors required by GCs to carry WC
- Specialty trade subs — electrical, plumbing, HVAC, framing, roofing
- Subcontractors who've lost work over missing or lapsed WC certificates
- Small subs with 1–5 employees needing affordable WC programs
Why CCA
- Fast certificate turnaround — most issued within 48 hours of binding
- Trade-specific class codes so your rate reflects your actual work
- Small-employer programs available for subs with minimal payroll
Common questions about subcontractor workers' comp
Once your program is bound, we can have a certificate issued within 24–48 hours. For urgent situations — a job starting soon — call us at 844-967-5247. We prioritize certificate turnaround for subs in this situation.
Your GC's subcontract may require it even if Texas law doesn't. Most Texas GCs require WC from subs to protect themselves from liability for injuries to uninsured workers. Read your contract.
Yes. We have small-employer Texas WC programs for subs with as few as one or two employees. The premium is based on actual payroll, not a minimum headcount.
We have specialty market access for high-hazard Texas trades. High-hazard doesn't mean uninsurable — it means you need the right market. We find it.
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.