Texas Companies That Are Non-Subscribers

If you are injured while working for a company that does not have Texas Workers’ Compensation Insurance, you may be entitled to more benefits than what Workers’ Compensation would provide.

You can get compensated for things such as medical care in the past and future, 100% of your lost wages, pain and suffering, and more.

Only about half of employers in Texas have workers’ compensation insurance. Employers who do not have workers’ compensation insurance are called non-subscribers.

But don’t worry, even if your employer is a non-subscriber, you can still be entitled to compensation for your injuries and pain.

In fact, Texas law makes your employer 100% responsible for your damages as long as your employer or one of their other employees was at least 1% at-fault for causing your injury.

Some examples of reasons your employer may be at fault is a failure to provide you or other employees with proper training, supervision, or the proper tools to do your job safely.

If you have been injured while working for a non-subscriber, it is important that you contact a work injury attorney to protect your right to compensation for your injuries.

Employers Without Workers’ Compensation Insurance

Non-Subscriber Claim FAQs

What do I do if I’m injured and my company is a non-subscriber?

Anytime you are injured on the job, it’s important to document everything about the accident. This is even more important when you work for a non-subscriber company.

Write down everything you can about the accident, such as: what you were doing, if other workers were present and what they were doing, and how the accident occurred.

It is also important to note whether you were given the proper training and equipment to safely perform your job duties. If it is possible, take photos.

What is a non-subscriber claim?

“Non-subscribers” are companies that opt out of the Texas Workers’ Compensation program, which is administered through the Texas Department of Insurance. About 44% of all Texas employers and 53% of Texas manufacturers are non-subscribers.

Why do employers elect to be non-subscribers?

For an employer, being a non-subscriber is often less expensive and allows for more control over how injured employees will be compensated.

Employers can also decide which doctors can be used by a worker who is injured. Doctors who are picked by your employer may be more likely to minimize your injuries, so the company can deny you benefits.

Is my work injury worth anything if my employer is a non-subscriber?

It is completely normal to wonder how much your case might be worth, especially if you’ve been injured on the job and your employer doesn’t have workers’ compensation coverage.

Unlike the workers’ comp cases, there is no formula that determines what your injury benefits should be. With each case and each injury being different, each case is worth a different amount.

I’ve been hurt on the job, and know my employer is a non-subscriber. If they don’t have insurance, do I still have a case?

Your non-subscriber employer can be sued, even if they have no insurance policy whatsoever. When a business is negligent, the punishment is always monetary. A corporation can’t be put in jail, for instance.

So, when you’re hurt due to unsafe work conditions your non-subscriber employer created, failed to rectify, or failed to inform you about, compensation would come directly from their assets.