If you’ve been injured at work in Texas, you may be wondering what kind of insurance coverage your employer provides—and whether you’re entitled to compensation for your injuries, lost wages, and medical expenses. Unfortunately, determining what coverage is available isn’t always straightforward, especially in Texas, where employers are not required to carry state-regulated workers’ compensation.
At Sandoval Law Firm, PLLC, Attorney Hector L. Sandoval specializes in helping injured workers understand their rights and explore all available options for securing the benefits and compensation they deserve. Whether your employer subscribes to Texas Workers’ Compensation or operates as a non-subscriber, we can guide you through the legal process and help you take the best course of action.
📞 Call (346) 347-7777 for a FREE consultation to discuss your work injury case today!
Does Your Employer Have Workers’ Compensation or a Non-Subscriber Policy?
Texas is the only state that allows private employers to opt out of the state’s Workers’ Compensation system. Employers generally fall into one of two categories:
1️⃣ Texas Workers’ Compensation Subscribers
🔹 If your employer is a subscriber, they participate in the Texas Workers’ Compensation program, meaning:
✔️ Your medical expenses are covered under state-regulated workers’ compensation insurance
✔️ You may be eligible for temporary or permanent disability benefits
✔️ You cannot sue your employer for negligence (in most cases)
🔸 However, just because your employer carries workers’ compensation doesn’t mean your claim will be handled fairly. Insurers often deny claims, delay payments, or underpay benefits—which is why having a work injury lawyer is crucial to ensure you receive full compensation.
2️⃣ Texas Non-Subscriber Employers
🔹 If your employer is a non-subscriber, they have chosen NOT to participate in the Texas Workers’ Compensation system. Instead, they may offer their own private insurance plan, which:
✔️ Limits your benefits (medical expenses, lost wages, or disability may not be fully covered)
✔️ May require you to use company-approved doctors
✔️ Allows you to file a lawsuit against your employer if their negligence caused your injury
🔸 Many large Texas employers, including Walmart, H-E-B, and Home Depot, are non-subscribers. If you work for a Texas non-subscriber employer and are injured on the job, you may have a stronger legal case than workers’ compensation employees because you can sue for damages beyond what their private insurance covers.
Why Determining Your Employer’s Insurance Matters
Understanding what kind of insurance your employer has is critical because it determines:
✅ How your medical treatment will be paid for
✅ Whether you can sue your employer for additional compensation
✅ If you qualify for long-term benefits, such as disability or wage replacement
Since non-subscriber employers are not protected by the same legal immunities as workers’ compensation subscribers, injured employees may be entitled to higher compensation for medical bills, lost wages, pain and suffering, and future medical care.
Steps to Take After a Workplace Injury in Texas
1️⃣ Report Your Injury Immediately – Notify your supervisor in writing and request an incident report.
2️⃣ Seek Medical Treatment – Even if your employer suggests a company doctor, you may be entitled to a second opinion.
3️⃣ Document Everything – Keep records of medical bills, prescriptions, lost wages, and injury-related expenses.
4️⃣ Consult a Texas Work Injury Lawyer – An attorney can help determine whether your employer is a subscriber or non-subscriber and guide you through your legal options.
Get Legal Help from a Texas Work Injury Attorney
If you’ve been injured at work and are unsure about your employer’s insurance coverage, don’t wait to find out—understanding your rights early can make a significant difference in your case.
At Sandoval Law Firm, PLLC, we help Texas workers:
✔️ Determine what kind of insurance their employer has
✔️ Fight for full compensation, whether through a claim or lawsuit
✔️ Hold negligent non-subscriber employers accountable
📞 Call (346) 347-7777 for a FREE consultation today! Let us fight for the compensation you deserve!