Your crewcoveredbefore theyset foot on site.
Most GCs and commercial projects require workers' comp before work begins. Get coverage that protects your employees and keeps you bid-ready, with pay-as-you-go available.
A GC needs your comp certificate before Monday. Your payroll changes every month. We place coverage fast and, if you want it, tie the premium to your real payroll so there's nothing big due up front and no audit surprise at year end.
Why contractors carry workers' comp.
Medical costs and lost wages from on-the-job injuries.
Most GCs require a comp certificate before your crew starts.
We shop carriers to fit your payroll and class codes, not a guess.
Proof of coverage issued the same day a job needs it.
Texas workers compensation insurance: what to know
Texas is the only state where private employers can opt out of workers' comp, but most contractors can't afford to: general contractors require it before your crew sets foot on site, and non-subscribers lose their common-law defenses if an employee is hurt. The Texas Department of Insurance, Division of Workers' Compensation sets the rules, and premium is driven by payroll and class code. Pay-as-you-go with payroll ties your premium to actual wages each pay period, so there's no deposit and no audit surprise at year end.
How we quote workers compensation insurance in Texas: you give us your name, phone and trade, and the details you have on revenue, payroll and any certificate deadline. We send that to the carriers that actually want your class of work, pull the options into one side-by-side summary, and call you with the number. If a GC or city needs the certificate the same day, say so on the form and we work to that deadline. At renewal we take the policy back to market instead of auto-renewing it.
$0 down. No audit surprises.
Bundle workers' comp with payroll in one app. Premium is calculated from your real payroll every pay period, so you pay for exactly what you use, nothing big is due up front, and there's no surprise audit bill at year end. Coverage through A+ (A.M. Best) rated carriers.
- $0 down when you set it up. No large deposit.
- Pay-as-you-go: premium comes out of each payroll run automatically.
- No year-end audit surprises. You pay on actual wages, not estimates.
- Payroll, taxes and workers' comp in one app.
Payroll and pay-as-you-go workers' comp provided through our partner, Hourly. Availability and $0-down terms depend on your payroll setup and carrier eligibility; we'll confirm what applies to you.
Illustrative example. Your numbers depend on payroll and class codes.
Texas workers compensation insurance questions we get every week.
Is workers' comp required in Texas?
Texas doesn't mandate it for most private employers, but nearly every general contractor and commercial project contractually requires it, so contractors carry it to win work. We'll confirm what applies to you.
How much does workers' comp cost?
Premium is based on payroll and the class codes for the work performed. We compare carriers to find the most competitive rate for your trade.
Can I get a comp certificate for a GC?
Yes. We issue certificates fast, and you can generate your own from our app.
Does workers' comp cover subcontractors?
It depends on how subs are classified. We'll help you structure coverage and certificate requirements correctly.
Get a quote before the job starts.
Name and phone is enough to start. Add the details if you have them and the quote comes back faster.
(951) 800-4287