Medical Expenses
Covers medical treatment for an employee injured or made ill on the job.
Workers Compensation · Garland & DFW, TX
Workers comp coverage that says yes
Coverage for medical costs and lost wages when an employee is hurt on the job — explained clearly for Texas's unique rules.
- Fast Certificates of Insurance
- Se Habla Español
- Flexible Payment Plans
- Licensed in Texas
Find the Best Price & Coverage Today
Enter your ZIP code and get a free workers comp quote in minutes.
What's Covered
What Workers Compensation Covers
A quick look at the protection a workers comp policy provides for your employees and your business.
Lost Wages
Replaces a portion of an employee's income while they recover.
Disability Benefits
Provides support for temporary or permanent disability resulting from a work injury.
Death Benefits
Provides support for dependents in the event of a fatal workplace injury.
Employer's Liability
Protects your business from certain lawsuits related to workplace injuries.
Rehabilitation Costs
Covers occupational therapy or retraining costs after a serious injury.
Understanding Coverage
How Workers Compensation Works in Texas
Workers compensation covers medical costs and a portion of lost wages when an employee is injured or becomes ill because of their job, regardless of fault, in exchange for the employee generally giving up the right to sue the employer.
Texas is unusual: it's one of the only states where private employers can legally choose not to carry workers comp (called being a “non-subscriber”). Opting out has real trade-offs, including losing certain legal protections against employee lawsuits, so it's worth talking through with a licensed agent before deciding either way.
Our Coverage
Workers Comp Options at Zuro
Whatever your business looks like, we'll help you find the right approach for Texas's rules.
Get My Free QuoteStandard Workers Comp Policy
Traditional coverage for medical costs and lost wages after a workplace injury.
Non-Subscriber Guidance
Help understanding the trade-offs of opting out under Texas law.
Industry-Specific Coverage
Tailored options for construction, retail, food service, and more.
Be Prepared
Who Needs Workers Compensation
Texas doesn't require it for most private employers, but here's when it matters most.
You have employees doing physical work
Higher-injury-risk jobs carry more exposure without coverage.
A client or contract requires it
Some contracts, especially in construction, require proof of workers comp.
You want legal protection
Carrying workers comp generally protects you from certain employee lawsuits over workplace injuries.
You want to attract better talent
Offering workers comp can be a meaningful benefit when hiring.
You've had a workplace injury before
Past incidents make the value of coverage clearer going forward.
You're not sure if you're required to carry it
A licensed agent can confirm your specific obligations under Texas law.
Buyer's Guide
How to Decide What's Right for Your Business
Five things worth thinking through before you decide — or just call us and we'll walk you through it.
Understand Texas's non-subscriber rules
Texas lets most private employers opt out, but it comes with real trade-offs.
Consider your industry's injury risk
Physically demanding work carries more exposure without coverage.
Check your contracts
Some clients and general contractors require proof of workers comp to work with them.
Think about your number of employees
More employees generally means more potential exposure.
Talk to a licensed agent
We'll help you understand your options and get a policy that actually fits.
Lower Your Rate
Ways to Get a Better Price on Workers Comp Insurance
Simple, real ways to manage your cost without leaving your business exposed.
Bundle your policies
Combine workers comp with general liability coverage for a lower combined rate.
Invest in workplace safety
Documented safety training and equipment can lower your rate over time.
Classify jobs accurately
Correct payroll classification codes help you avoid overpaying.
Keep continuous coverage
A lapse in coverage often raises your rate and can affect your standing with clients.
Maintain a clean claims history
Fewer past claims generally means a better rate going forward.
Compare with a local agent
A real agent can shop multiple carriers instead of locking you into one rate.
Pricing
How Much Does Workers Comp Insurance Cost in Texas?
Rates vary widely by business — there's no single “average” that applies to everyone. Your rate depends on your industry, payroll, and claims history.
Get My Free QuoteIndustry & job classification
Total payroll
Claims history
Number of employees
Safety practices in place
Your down payment & payment plan
Why Zuro
Why Business Owners Choose Zuro
We built Zuro for business owners other insurers turn away — with real agents who treat you like a neighbor, not a risk score.
Get My Free QuoteFast certificates of insurance
Get proof of coverage quickly when a client or job site needs it.
Bilingual agents, English & Español
Every agent speaks both languages fluently — no translation apps needed.
No SSN required
We accept alternative identification for most policies.
Flexible payment plans
Down payments and monthly plans that fit your business's cash flow.
Licensed & bonded in Texas
Fully compliant with Texas Department of Insurance regulations.
Real local agents across DFW
Walk into an office near you — we're not a call center.
Reviews
Trusted Across Dallas-Fort Worth
"Zuro got me my SR-22 the same afternoon. The agent explained everything in Spanish and English — made it so easy."
FAQ
Workers Compensation Insurance Questions
No, Texas is a non-subscriber state, meaning most private employers can legally choose not to carry it — though opting out carries real trade-offs.
You generally lose certain legal defenses against employee lawsuits related to workplace injuries — we can walk you through what that means for your business.
Typically not automatically — contractor classification affects coverage, and misclassifying workers can create real risk.
Yes, we can typically issue a certificate of insurance the same day your policy is active.
Most business owners walk away with proof of insurance the same day, in person or online.
Ready to Get Workers Comp Coverage Today?
Talk to a real agent in English or Español — no pressure, no judgment.