# Texas — Workers' compensation insurance requirements by US state: employee thresholds, who counts, and industry exceptions

For Texas, employee threshold is workers' compensation insurance coverage is not required in most cases for private employers; employers can choose to carry coverage; penalty for not carrying coverage is Employers without workers' compensation insurance coverage must report to the state that they do not have coverage. Must also report to DWC any work-related injuries resulting in more than one day of lost time, as well as all work-related illnesses, and deaths; issuing authority is Texas Department of Insurance, Division of Workers' Compensation, recorded from its source on 2026-08-12.

- **State:** Texas _(our reading, not quoted from the source)_
- **Employee threshold:** workers' compensation insurance coverage is not required in most cases for private employers; employers can choose to carry coverage _(verified: appears in the quote below)_
- **Penalty for not carrying coverage:** Employers without workers' compensation insurance coverage must report to the state that they do not have coverage. Must also report to DWC any work-related injuries resulting in more than one day of lost time, as well as all work-related illnesses, and deaths.
- **Issuing authority:** Texas Department of Insurance, Division of Workers' Compensation

## What the source says

> In Texas, private employers can choose to carry workers' compensation insurance coverage, but it is not required in most cases. A workers' compensation insurance policy provides lost wages and medical benefits to employees injured on the job.

## Source

- https://www.tdi.texas.gov/wc/employer/index.html

Last verified: 2026-08-12. Review by: 2027-02-08.
Part of [Workers' compensation insurance requirements by US state: employee thresholds, who counts, and industry exceptions](https://referencesource.org/workers-comp-coverage-thresholds-by-state/).