Coverage
Workers Compensation Insurance
Cover your crew. Keep your contracts.
Workers compensation insurance for small businesses, contractors, and service companies. Required by most large customers and general contractors — we place it fast, at a rate that reflects your actual class code and payroll.
What it covers
What's in the policy.
- Medical treatment for job-related injury
- Lost wages / disability benefits
- Employer's liability
- Death benefits
Why Allied
How we write it.
- Pay-as-you-go payroll reporting available
- Class code review to avoid over-paying
- Certificates for GCs same-day
- Return-to-work programs to control mod factors
- Ghost policies for owner-only businesses
FAQ
Common questions.
Is workers comp required in Texas?
Texas is the one state where private employers can opt out — but most general contractors, staffing firms, and public projects require it. Non-subscribers also lose important legal defenses.
Can I get a ghost policy as a solo operator?
Yes. If a customer requires a workers comp certificate but you have no employees, a minimum-premium ghost policy satisfies the contract.
Local coverage
Workers Comp insurance across Texas.
We write workers comp coverage in every city we serve. Pick your metro for a local page with more detail on how we place it there.
Get a real quote
Ready for a quote?
Tell us about your risk. We'll come back with real numbers from carriers who actually write your business.