Workers’ Compensation Insurance for Texas & Kansas Businesses
Protect Your Employees—and Your Business
Your employees are the backbone of your business. Their skill, dedication, and daily hard work keep your operations running smoothly. Providing strong protection for them isn’t just the right thing to do—it also helps safeguard your business from the unexpected.
Workers’ Compensation Insurance from Garrett Insurance Agency, LLC helps ensure your team is covered if a work-related injury or illness occurs. From minor accidents to more serious incidents, the right policy provides essential benefits that support both your employees and your long-term operations.
What Does Workers’ Compensation Cover?
Workplace injuries can happen in any industry—from construction and agriculture to professional services, retail, and transportation. Workers’ Compensation helps cover financial obligations such as:
- Medical treatment and rehabilitation for work-related injuries or illnesses
- Partial replacement of lost wages while the employee is unable to work
- Ongoing care for serious injuries or long-term disability
- Benefits to dependents in the event of a work-related fatality
Common covered incidents may include slips and falls, equipment malfunctions, repetitive motion injuries, car accidents while on the job, and other unforeseen hazards.
Why Workers’ Compensation Matters
Without Workers’ Compensation, your business may be exposed to significant financial risk. An employee injured on the job could sue for medical costs, lost wages, and additional damages—expenses that could jeopardize your operations.
Garrett Insurance works with businesses across Texas and Kansas to evaluate industry risks and determine the right level of protection. Our advisors help you secure a policy that meets your legal requirements (where applicable), supports your employees, and protects your bottom line.
Support Your Team With the Right Coverage
For more than 100 years, Garrett Insurance has helped businesses build strong protection plans that keep employees safe and companies financially secure. Whether you operate in Texas, Kansas, or both, our team is here to help you navigate your Workers’ Compensation options with confidence.
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Frequently Asked Questions
Is Workers Compensation Insurance required in Texas?
Workers Compensation Insurance is not legally required in Texas, making it one of the few states where coverage is optional. However, choosing not to carry workers’ compensation comes with significant risks. Employers without coverage are called “non-subscribers” and lose important legal protections—injured employees can sue for full damages without caps on liability, and employers cannot use common defenses like employee negligence or assumption of risk. These lawsuits can be financially devastating. Even though it’s optional, workers’ compensation is highly recommended because it protects both your employees and your business. It ensures injured workers receive immediate medical care and wage replacement, while protecting you from unlimited liability and costly litigation. Many contracts, especially with larger clients or government entities, require proof of workers’ compensation coverage before you can work on their projects.
How is Workers Compensation Insurance premium calculated?
Workers Compensation premiums are calculated based on several factors. The primary factor is your payroll—premiums are typically expressed as a rate per $100 of payroll. Each job classification has a different rate based on the risk level of that work; for example, office workers have lower rates than construction workers. Your company’s claims history significantly impacts pricing through an experience modification rate (E-Mod)—a good safety record can reduce premiums, while frequent claims increase them. Other factors include the number of employees, your industry, and any safety programs you have in place. Many insurers offer discounts for businesses with strong safety protocols, return-to-work programs, and drug-free workplace policies.
Does Workers Compensation cover independent contractors?
Generally, Workers Compensation Insurance does not automatically cover independent contractors since they’re not considered employees. However, this creates potential risks for businesses. If an independent contractor is injured while working for you and doesn’t have their own workers’ compensation coverage, they may be able to sue your business for damages—a costly exposure that employee coverage typically prevents. Additionally, during audits, insurance carriers may reclassify independent contractors as employees if they don’t meet specific criteria, resulting in unexpected premium charges. To protect your business, verify that independent contractors carry their own workers’ compensation insurance and provide certificates of insurance. Some businesses also purchase contingent workers’ compensation coverage or include contractor coverage endorsements to fill potential gaps.
OUR PROMISE TO YOU
- We will provide customized solutions and personalized products based on your needs.
- We will be available to you any time so getting important information will be easy for you.
- We will manage your risk as well as any claims that you file.
- We will ease your worry and protect your treasures by transferring identified risks to an insurance product, all the while keeping it simple to understand for you.
We welcome an opportunity to discuss your home insurance needs, so please contact us or give us a call. You can also request a quote if you’re ready to get started.