Presley Insurance Group
Workers’ Compensation Insurance for Texas Employers
Presley Insurance Group helps Texas employers protect their teams and their businesses with workers’ compensation insurance that supports injured employees and helps manage the financial impact of workplace accidents.
Workers’ Compensation Insurance Texas Businesses Can Rely On
Even with strong safety practices, workplace injuries and illnesses can still happen—on a construction site, in a warehouse, on the road, or in an office. Workers’ compensation insurance helps pay for medical care and a portion of lost wages when employees are hurt in the course and scope of their work. It can also provide certain benefits to dependents in the event of a work-related fatality, helping your team and their families when they need it most.
Based in the Dallas-Fort Worth area and serving employers across Austin, San Antonio, Central Texas, and West Texas, Presley Insurance Group is an independent insurance agency in Texas that shops multiple carriers for you. We explain workers’ comp in plain language and help you choose coverage structures, classifications, and limits that fit your payroll, your operations, and your budget. Whether you’re hiring your first employee or managing a growing team, you get clear guidance and a local partner ready to help at audit time and at claim time.
Texas Workers’ Compensation Insurance Coverage Options
Medical Benefits for Work-Related Injuries & Illnesses
Workers’ compensation typically helps pay for reasonable and necessary medical care related to covered work injuries and illnesses—such as doctor visits, hospital stays, surgeries, prescriptions, and rehabilitation. We’ll help you understand how medical benefits work, which providers employees may need to see, and what role company policies play in reporting and managing injuries.
Employer’s Liability Coverage
Employer’s liability coverage, often included with workers’ compensation, helps protect your business if you’re sued over certain work-related injuries that fall outside standard benefits—such as some third-party-over actions or loss of consortium claims. We’ll review your risk profile, contracts, and industry to recommend employer’s liability limits that make sense alongside your other business coverages.
Return-to-Work & Light Duty Programs
A thoughtful return-to-work program can help injured employees get back on the job safely and sooner, while potentially reducing the duration and cost of claims. We’ll discuss how light duty, modified duty, and clear communication with your carrier and medical providers can support your employees’ recovery and your long-term insurance costs.
Income Benefits / Lost Wages
When an employee can’t work due to a covered injury or illness, workers’ comp can provide a portion of their lost wages, subject to state guidelines and policy terms. We’ll walk through how income benefits are calculated, how long they can last, and what happens when employees return to work on light duty or reduced schedules.
Coverage for Different Job Classes & Payrolls
Workers’ comp premiums are strongly influenced by how your employees are classified and how much payroll is assigned to each class code. We’ll help you categorize job roles correctly—office staff, field crews, drivers, and more—so you’re not overpaying for low-risk roles or underinsuring higher-risk positions. As your team grows or changes, we’ll help you adjust classifications and estimates along the way.
Handling Subcontractors and 1099 Workers
In some industries—especially construction—how you handle subcontractors and 1099 workers can affect your workers’ comp exposure and audits. We’ll talk through how you use subs, what contracts say, and what documentation you collect so we can help you understand when workers’ comp may still come into play and how to avoid unpleasant surprises at audit time.
Monopolistic States & Multi-State Operations
If your Texas-based business sends employees to work in other states, your workers’ comp needs may change. Some states have their own workers’ comp systems, and others follow different rules for out-of-state employers. We’ll look at where your employees travel, how long they’re there, and what they do, then help you structure coverage that keeps you compliant and protected across state lines.
Workers’ Compensation Built Around Texas Workplaces
Texas employers operate in all kinds of environments—job sites in Dallas-Fort Worth, distribution centers near Austin and San Antonio, oilfield-related work in parts of Central and West Texas, and offices scattered across the state. Each setting comes with different injury risks, from lifting and repetitive motion to slips, trips, falls, driving, and equipment use. We consider your specific operations, job roles, and growth plans when we recommend coverage, carriers, and safety strategies.
Our local insight helps you:
- Understand how Texas workers’ comp rules and options affect your business and employees
- Classify employees accurately so you pay fair premiums for the right level of risk
- Coordinate workers’ compensation with safety programs, HR policies, and claims handling
- Address risks from drivers, remote workers, and field crews across multiple locations
- Plan for growth as you add employees, expand into new trades, or open additional Texas locations
Smart Ways Texas Employers May Save on Workers’ Compensation
Workers’ compensation is an important investment in your people and your business—but there are ways to manage costs without cutting corners on protection. While pricing and credits vary by carrier and eligibility, we look for practical ways to keep your workers’ comp program sustainable and supportive.
- Credits for strong, documented safety programs and training
- Better pricing when claims are managed proactively and reporting is timely
- Experience modifiers (e-mods) that reward long-term improvements in loss history
- Classifying employees correctly and separating low-risk from high-risk roles
- Using light-duty and return-to-work programs to shorten claim durations
- Reviewing payroll estimates regularly to avoid large surprises at audit
We’ll compare options from multiple carriers side by side and help you see how safety, claim frequency, and payroll changes can influence your workers’ comp costs over time. Our goal is to help you feel confident that your coverage supports both your employees’ well-being and your bottom line.
Frequently Asked Questions
Is workers’ compensation insurance required in Texas?
Texas is unique in that most private employers are not strictly required by state law to carry workers’ compensation insurance, but that doesn’t mean it’s optional in practice. Certain industries, public employers, and contracts may require it, and employers who opt out (“nonsubscribers”) can face greater liability exposure if an employee is injured. We’ll help you understand your obligations, contract requirements, and the pros and cons of carrying workers’ comp for your specific situation.
What happens if I don’t carry workers’ comp and an employee gets hurt?
If you operate as a nonsubscriber without workers’ comp, you may be exposed to lawsuits from injured employees and could lose access to certain legal defenses. You may also face contractual issues with clients who expect proof of workers’ comp coverage. We’ll walk through how a serious injury might play out with and without workers’ comp so you can make an informed decision about the protection level that feels right for your business and your team.
How are workers’ compensation premiums calculated?
Workers’ comp premiums are typically based on your industry, employee classifications (class codes), payroll amounts, and claims history, along with any applicable experience modifier (e-mod). Carriers also consider safety practices and risk controls. We’ll help you estimate payroll accurately, assign job roles correctly, and understand how your claims history affects pricing so you can plan and budget more confidently.
What is an experience modifier (e-mod), and why does it matter?
An experience modifier compares your company’s actual workers’ comp loss experience to the expected losses for similar businesses in your industry and size. A better-than-average claims history can lower your e-mod and reduce premiums, while worse-than-average losses can increase costs. We’ll help you understand your current or potential e-mod and what steps you can take—through safety and claims management—to improve it over time.
Does workers’ comp cover employees who are injured while driving for work?
If employees are injured in a work-related vehicle accident, workers’ comp usually responds to their medical and wage-loss needs, while your commercial auto policy addresses liability and certain other aspects of the claim. We’ll look at who drives for work, how often, and what vehicles they use so we can coordinate workers’ comp and commercial auto coverage and avoid gaps.
Can owners, partners, or family members be covered under workers’ comp?
In many cases, owners, officers, partners, and family members can elect to be included or excluded from workers’ comp coverage, depending on entity type and carrier rules. Including key individuals can sometimes add cost but also provide important protection. We’ll review your business structure and who is actively working in the business so you can decide who should be covered and how that choice affects your premiums and protection.