Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Workers’ compensation insurance covers medical costs and lost wages if your employees are injured on the job. Texas is the only state in the country where it’s technically optional — which makes the conversation different here than anywhere else.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Texas is the only state where workers’ compensation is not legally required for most private employers. That makes Texas employers either ‘subscribers’ (carrying workers’ comp) or ‘non-subscribers’ (not carrying it). Each path has real trade-offs around employee protection, employer liability, and cost. Harvey Insurance has been writing workers’ comp for Texas employers for years and we’ve walked plenty of business owners through the subscriber-vs-non-subscriber decision. Give us a call and we’ll talk through what makes sense for your business.
Get a Free Workers' Comp QuoteWe provide workers' compensation coverage that protects both your employees and your business — ensuring injured workers get the care they need while limiting your financial exposure.
Three things every Texas employer should understand:
Employer pays into the system, employees get statutory medical and wage benefits if injured, employer is generally protected from injury lawsuits. The standard structure used in 49 other states.
Texas employers can opt out of workers’ comp. Skipping the premiums comes with trade-offs: no statutory protection from employee injury lawsuits, and you’ll need a separate occupational injury plan to handle injuries fairly.
Industry, payroll, claim history, employee mix — all of these factor into which path is right for a Texas business. We don’t push one over the other; we walk through what fits your operation.
We’re not a call center or an app. We’re a local agency that treats every client like a neighbor — because most of them are.
We work with the most trusted and recognized carriers in the country — giving our Texas clients access to strong coverage and reliable claims support.
We understand the specific risks Texas residents and businesses face and write every policy with that knowledge front and center.
When you have a question or a claim, you reach us — the same people who wrote your policy. We know your name and advocate for you, every time.
FAQ
Quotes for both subscriber and non-subscriber options — same-day callbacks from a local agent.
Get a Free Workers' Comp Quote