Workers' Compensation, built around your real payroll.
Texas is the one state where workers’ comp is optional, which makes the choice between statutory coverage and a nonsubscriber plan a real strategic decision. We model both around your payroll, class codes and loss history.
The pieces that make up the policy.
Statutory coverage
01
Medical and indemnity benefits required by law, placed with carriers rated for your class codes.
Texas nonsubscriber
02
A structured occupational-injury plan for Texas employers who opt out of the state system.
Employer’s liability
03
Defense and damages when an injury claim falls outside the comp system.
Experience-mod review
04
We audit your mod for errors and build the safety story that lowers it over time.
Built for operators who can’t absorb the hit.
Any business with employees
High-payroll operations
Texas employers weighing nonsubscriber
Contractors & manufacturers
Not sure it applies to you? Send us your operation and we’ll tell you straight whether this line belongs in your program.
Where this line earns its keep.
01
A worker is injured on the floor
Comp pays medical and lost wages without a lawsuit, and we manage the claim toward a clean return-to-work.
02
Your mod jumps at renewal
We audit the calculation, dispute reserve errors, and present a corrected experience mod to underwriters.
03
You consider opting out
We model a Texas nonsubscriber plan side by side with statutory coverage so cost and exposure are clear before you decide.
Lines that often sit alongside it.
Workers' Compensation questions, answered.
Turn your risk into a plan.
Takes less than 8 minutes. We’ll follow up within one business day with options structured around how your business actually runs.
[ NO OBLIGATION ] · [ 48HR AVG. RESPONSE ]