Is workers comp required in Texas?

Texas is the only state that doesn’t mandate workers comp for private employers, but it’s highly recommended and often contractually required in many industries.

What happens if I don’t carry workers comp?

Without workers comp, your business may be exposed to lawsuits, medical claims, and regulatory fines. It’s also harder to win bids or contracts without it.

Who qualifies as an employee under workers comp?

Coverage typically applies to full-time, part-time, and seasonal employees. Independent contractors are not usually covered unless specifically added.

Can workers comp be bundled with other policies?

Yes. We can often combine workers comp with general liability and commercial auto in a custom business package that meets all your coverage needs.

Workers Compensation | Dumas Insurance Agency

Protecting Your Team and Your Business

Accidents happen—even in the safest workplaces. Workers compensation insurance provides essential coverage for medical bills, lost wages, and more when an employee is injured on the job. At Dumas Insurance Agency, we help businesses in Dumas, Amarillo, Lubbock, Dalhart, and across Texas stay compliant and prepared with straightforward policies that support both employers and their teams.

Medical Expense Coverage

Covers hospital bills, doctor visits, rehabilitation, and medications related to workplace injuries.

Lost Wages & Disability

Provides wage replacement for employees unable to work due to a covered injury or illness.

Employer Liability Protection

Helps protect your business if an employee sues over a workplace injury or unsafe conditions.

Answers You Need

Common Questions About Workers Comp Insurance

If you have more questions about workers compensation coverage, call us at (806) 935-5354.

¿Tiene más preguntas sobre el seguro de compensación para trabajadores? Llámenos al (806) 935-5354.

Is workers comp required in Texas?

Texas is the only state that doesn’t mandate workers comp for private employers, but it’s highly recommended and often contractually required in many industries.
What happens if I don’t carry workers comp?

Without workers comp, your business may be exposed to lawsuits, medical claims, and regulatory fines. It’s also harder to win bids or contracts without it.
Who qualifies as an employee under workers comp?

Coverage typically applies to full-time, part-time, and seasonal employees. Independent contractors are not usually covered unless specifically added.
Can workers comp be bundled with other policies?

Yes. We can often combine workers comp with general liability and commercial auto in a custom business package that meets all your coverage needs.

Start with a Call

Protect What Matters Most

Take care of your team and your business with workers comp coverage designed around your industry and risk. Let our agents walk you through your best options.

¿Prefiere hablar en español? Nuestro equipo está listo para ayudarle con confianza y claridad.

Coverage That Cares

Workers Compensation