Workers Comp Insurance in Houston, TX.
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.
Local context
Why Houston operators call us.
Our home base. Houston runs on small businesses, contractors, medical services, and independent trucking — every one of them needs the right policy in place before the first invoice. We've been placing workers comp coverage for businesses across Harris County for more than 30 years — the same specialty markets we use for Houston clients, priced against Houston's local exposures.
What it covers
Inside the policy.
- Medical treatment for job-related injury
- Lost wages / disability benefits
- Employer's liability
- Death benefits
How we write it
Our approach for Houston.
- 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
Workers Comp questions from Houston clients.
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.
More Houston coverage
Same coverage, other cities
Get a real quote
Workers Comp insurance in Houston — done today.
Tell us about your risk. We'll come back with real numbers from carriers who actually write your business.