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Texas is big - from its geographical size to its economy. With cowboy origins reaching back to the 19th century cattle industry, the vast oil discoveries of the early 20th century put the term “Texas tea” into today's vernacular. Texas Instruments Inc. gave birth to the integrated circuit in Dallas in 1958, and in the decades that followed, the Lone Star State developed a diversified economy. Today Texas is home to fifty-seven Fortune 500 companies - a record number matched only by California.

Many of the world’s most profitable companies can be found in Houston, Dallas, Austin, San Antonio, Fort Worth, and Irving. Those cities are home to Exxon Mobile, AT&T, Dell, Sysco, Halliburton, Kimberly-Clark, Southwest Airlines, Whole Foods Markets, and Dr. Pepper/Snapple. Even with those economic champions, Texas’s small businesses make up a majority of the employers in the state.

Unlike most states, Texas employers are not required by law to carry workers’ compensation insurance. However, workers’ compensation insurance protects employers from costly lawsuits brought by injured workers or survivors in case of fatalities. As part of the agreement, workers’ compensation pays medical bills and replaces some lost wages for employees who are injured at work, or who have work-related illnesses.

Some classes of small businesses purchasing workers’ compensation insurance in Texas include hotels, restaurants, printers, auto repair shops, day care centers, banks, physicians and dentists, grocers, and retailers.

EMPLOYERS is America's small business insurance specialist® and it provides small businesses in Texas with workers' compensation insurance that is right for their business. The value added services that EMPLOYERS offers its policyholders, such as loss control services, PrecisePay®, Anti-Fraud Programs, Managed Care Services, and Premium Audit, make EMPLOYERS a great choice for Texas businesses.

In Texas, EMPLOYERS writes policies through  Employers Compensation Insurance Company, Employers Preferred Insurance Company, and  Employers Assurance Company.

Interested in learning more about how EMPLOYERS can help your Texas business? Click the button below to Get Started Now.


In Texas, Workers' compensation insurance and services are offered through Employers Preferred Insurance Company, Employers Compensation Insurance Company, Employers Insurance Company of Nevada and Employers Assurance Company. EIG Services, Inc. (in California, dba EIG Insurance Services) is an affiliated agency and adjuster. Not all insurers do business in all jurisdictions.