COMMERCIAL INSURANCE / RESTAURANT INSURANCE
Workers Compensation Insurance in New Braunfels & Central Texas
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WORKERS COMP AND Business Insurance Resources
Want to better understand Workers Comp and how it affects your bottom line? Be sure to check out our Insurance Blog where we cover real-world claims examples, safety tips, and cost-saving strategies for small businesses in Central Texas. It’s the best way to stay informed and ahead of the curve when it comes to employee safety and insurance compliance.
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Start Your Workers Comp Quote Today
Getting started is easy. Call our New Braunfels office today, or head over to our quotes page to request a quick, customized quote. Either way, we’ll walk you through the process and make sure you’re fully protected.
Why Workers Comp Coverage Matters
If you run a business in New Braunfels or the greater Central Texas area, protecting your employees isn’t just the right thing to do — it’s the smart thing. Even with the safest workplace, accidents happen. One fall, one equipment mishap, or one repetitive strain injury can cost thousands in medical bills and legal exposure.
Workers Compensation Insurance ensures you have a plan in place to cover medical costs, lost wages, and rehabilitation services for your employees — while also protecting your business from costly lawsuits.
Are Texas Employers Required to Carry Workers Comp?
Unlike most states, Texas doesn’t mandate workers comp for every business — but that doesn’t mean you’re off the hook. If an employee is injured on the job and you don’t have coverage, your business could be fully responsible for medical bills, lost wages, and legal defense. If you work in construction, transportation, healthcare, or any high-risk industry, you may be required to carry it by contract or regulation.
What Workers Compensation Covers
Workers Compensation Insurance provides coverage for:
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Work-related injuries (slips, falls, machinery accidents, etc.)
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Illnesses caused by the work environment (chemical exposure, repetitive stress)
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Ongoing care such as physical therapy or surgery
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Lost wages while the employee is recovering
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Legal costs if you're sued over a workplace injury
This coverage can also include death benefits for dependents if an employee passes away due to a work-related accident.
How Much Does Workers Comp Cost in Texas?
Workers Comp in Texas is priced based on risk. Here’s what affects your rate:
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Type of work: More hazardous jobs (e.g., roofing, manufacturing) will have higher premiums.
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Number of employees: More staff = more exposure = higher cost.
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Claims history: A clean history can reduce your rates, while past incidents can raise them.
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Employee classification codes: Each role — from office staff to field laborers — is assigned a risk class that affects pricing.
To avoid overpaying, it’s crucial that each employee is properly classified. For example, an office admin and a delivery driver shouldn’t share the same code.
Who Needs Workers Comp in Central Texas
We work with businesses across New Braunfels, Seguin, San Marcos, Kyle, and the entire Central Texas region. Whether you’re in construction, hospitality, healthcare, education, or logistics — if you have people on payroll, you likely need Workers Compensation coverage.
If you’re a contractor or subcontractor working under larger companies, chances are you’re required to provide your own proof of coverage. We’ll help you stay compliant and protected.