In Texas, employers are not required to have workers’ compensation insurance coverage and can instead elect to be classified as “non-subscribers.” According to the Texas Department of Insurance, approximately 20 percent of all Texas employees are employed by non-subscriber companies. When employees of non-subscribers are injured in work-related accidents, they are able to seek compensation directly from their employers via a negligence claim.
Common Non-Subscriber Industries
While non-subscriber employers exist in nearly every type of industry, certain fields have a higher incidence of non-subscription than others. As recently as 2010, some of the highest non-subscription rates in the state included:
| Industry | Percentage of Non-subscription |
| Food services, accommodation and related businesses | 40% |
| Finance/real estate/professional services | 33% |
| Transportation/retail and wholesale trade | 32% |
| Educational/health care services | 32% |
| Manufacturing | 31% |
| Source: Texas Department of Insurance Workers’ Compensation Research and Evaluation Group | |
Hurt In A Workplace Accident? Contact Ruhmann Law Firm.
Do you have questions about Texas non-subscriber claims? Call us at (915) 845-4529 or contact us online to receive the answers that you need. If you are unable to travel to our El Paso office due to your injuries, we can meet you at a location that is convenient for you.