Workers’ Compensation Insurance in Texas

Coverage that protects your people—and your business.

In Texas, workers’ comp isn’t always required, but it’s almost always a smart move. At Tatum Insurance Group, we help small businesses across East Texas protect their employees and themselves with flexible workers’ compensation policies. Whether you’ve got one helper or a full crew, we’ll make sure you’re covered when someone gets hurt on the job.

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Even if it’s optional, it’s still important.

Unlike most states, Texas doesn’t mandate workers’ compensation—but employers can still be held liable for workplace injuries. Having coverage means you can handle medical bills, lost wages, and legal expenses without draining your business. It also shows your team you’ve got their back. From contractors in Frankston to retail teams in Tyler, we’ll help you choose a policy that fits your operation and your budget.

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Help For Your Team When They Need It Most

This policy helps when an employee gets injured or sick from work. It covers costs that could otherwise come out of your pocket—and keeps your business protected from lawsuits.

Medical Expenses

Pays for doctor visits, hospital stays, surgeries, and rehab tied to a workplace injury.

Lost Wages

Covers a portion of the employee’s income while they recover.

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Disability Benefits

Offers support if the injury leads to temporary or permanent disability.

Legal Protection

Helps cover legal fees if an injured employee sues your business.

Got questions about workers’ comp in Texas?

  • Is workers’ compensation required in Texas?

    No—Texas is one of the only states where it’s optional. But going without it can leave you wide open to lawsuits and out-of-pocket costs.

  • How does workers’ comp work if it’s not required?

    If you opt in, you get legal protections and coverage for injuries. If you don’t and someone gets hurt, you may be responsible for all costs—even if the injury wasn’t your fault.

  • What does workers’ comp cover?

    It covers medical bills, lost wages, and rehab after a work-related injury or illness. It also helps protect your business from employee lawsuits.

  • Can I get coverage for just a few employees?

    Absolutely. We help small businesses—contractors, shops, and local teams—find affordable coverage whether they’ve got one employee or a dozen.