Workers' Compensation Insurance - Protect Your Employees In Texas
Texas Rules, Real-World Risks
Workers' comp pays medical bills, partial wages, and rehab for job-related injuries or illness-and includes employers liability. Texas is unique: many private employers aren't required to carry it, but contracts and prime contractors often insist. O'Sullivan Integra helps Tomball and Houston businesses decide whether to subscribe and how to structure coverage.
Why Carry Workers' Comp Anyway?
Without it, a single serious injury can create large out-of-pocket costs or lawsuits. With workers' comp, employees receive defined benefits and you gain stability and
legal protections. We'll align class codes and payroll with accurate rating to control costs.
Who Should Strongly Consider Coverage
Construction trades, manufacturing, auto repair, hospitality, and any employer with jobsite exposure. Even clerical offices in 77377 can face repetitive stress or slip hazards. We'll provide proof quickly if your GC or client needs a
certificate.
FAQs Texas Employers Ask
Is workers' comp mandatory in Texas?
Not for most private employers, but many contracts require it-and it's widely recommended.
Does GL cover employee injuries?
No. That's Workers' Comp; GL is for third-party injuries.
What drives my premium?
Payroll, job classifications, and claims history. We'll help you benchmark and improve.