Risk Intelligence
Combining data, analytics, and industry expertise to uncover risks and opportunities before they impact your business.
Workers’ Compensation
Workers Compensation Insurance in Texas That Protects Your People and Your Business.
Texas is the only state where private employers are not legally required to carry workers compensation. But opting out does not remove your financial exposure when an employee is injured on the job. It removes your protection. We structure workers comp programs that cover your workforce correctly.
Statutory
WC
Nonsub
Texas plan
RTW
Return-to-work
Loss control
& safety
Our approach
We pair developer-grade analytical infrastructure with senior advisory to deliver risk programs that support operational continuity and capital efficiency.
Strategic Coverage
Transparent insurance solutions tailored to your operations, assets, and long-term objectives.
Long-Term Partnership
A relationship-focused approach built on trust, advocacy, claims support, and ongoing risk advisory services.
Why Benchmark
The Benchmark Difference, in Numbers.
42
States LicensedCoast to coast
$6B
In Property ValuesInsured & protected
4,000
Loyal PartnersAnd growing
100+
A+ Insurance MarketsTop-rated carriers
Texas Comp Specifically
Workers Compensation in Texas Is Not Like Other States. We Place It That Way.
Texas is the only state where employers can elect not to subscribe to workers comp. That decision changes the financial math on every claim. We model both before placing.
Standard market underwriting
Class-code audit, payroll verification, and exp mod recovery filed where applicable.
Carrier-backed alternative
Nonsub plan structured with parallel employer's liability and a sharper return-to-work program.
Loss control attached
Modified-duty programs designed so indemnity exposure drops at the next renewal.
Cross-state employer
States outside Texas underwritten in tandem with the Texas placement. No coverage gap at state lines.
Coverage highlights
Workers Compensation
Coverage
Statutory workers compensation
Standard market WC placement with class-code audit, payroll verification, and exp mod recovery filed where applicable.
Coverage
Texas nonsubscriber plan
Carrier-backed nonsubscriber plan with parallel employer's liability for operators where the math supports nonsub.
Coverage
Return-to-work programs
Modified-duty paths designed so indemnity exposure drops at the next mod and savings compound.
Coverage
Employer's liability
EL coverage placed alongside WC or nonsub, structured against the actual workforce and exposure.
Coverage
Multi-state coordination
States outside Texas underwritten in tandem so there is no coverage gap at state lines.
Coverage
Loss control and safety
On-site safety audits, training documentation, and OSHA preparedness work attached to the WC program.
Built For
Texas employers across industries where comp drives premium.
Workers comp is the largest premium line for most labor-intensive operators. Getting it right means modeling Texas-specifically and then deciding statutory vs nonsubscriber.
- Construction GCs and specialty contractors
- Energy services and oilfield contractors
- Manufacturers and warehouse operators
- Hospitality and F&B multi-unit operators
- Healthcare and senior care operators
- Trucking and logistics operators
What Sets Us Apart
Nonsub modeled
Class-code audited
Mod recovery filed
Return-to-work designed
Statutory or nonsubscriber. We do the math first.
Math first
Texas nonsubscriber plans modeled against actual loss history before recommending. Math has to support it.
Payroll verified
Class-code audit and payroll verification ensure premium is not over-reported at audit.
Where applicable
Exp mod recovery filed where the carrier or rating bureau owes you money.
Indemnity dropped
Modified-duty programs designed so indemnity exposure drops at the next mod.
Methodology
The Benchmark Protocol
01
Discovery
Deep-dive audit of your operation, exposures, and historical loss runs to identify coverage gaps.
02
Market Analysis
Leveraging carrier relationships to benchmark your program against the highest industry standards.
03
Proposal
Structured coverage architecture and disclosure-first balance sheet efficiency with institutional protections.
04
Partnership
Ongoing stewardship, risk control, and advisory that scales with your growth.
Workers comp advisory
Statutory or nonsubscriber. Pick the one the financial math supports.
Send us your payroll, your class codes, and your loss runs. We will model both plans against your actual exposure.
Common Questions
Frequently Asked Questions.
Is workers compensation required in Texas?
Texas is the only state that does not require most private employers to carry workers comp. However, non-subscribers remain fully liable for any workplace injury costs under common law claims.
What happens if a Texas business does not carry workers comp?
Non-subscriber employers lose the legal protections that workers comp provides, meaning employees can sue the business directly without any cap on damages.
How are workers comp premiums calculated?
Premiums are based on employee classification codes, total payroll, and experience modification factor which reflects your claims history.
What is an experience modification factor?
The e-mod is a multiplier applied to your base workers comp premium based on how your actual claims compare to expected industry claims. Below 1.0 reduces premium.
What is stop-gap coverage?
Stop-gap is employer liability insurance that protects Texas employers from lawsuits filed outside the standard workers comp framework.
Can workers comp cover subcontractors?
Depends on structure. Businesses that hire uninsured subcontractors may be required to cover them under their own workers comp policy.
What is a return-to-work program?
A return-to-work program brings injured employees back to modified or light-duty work as soon as medically able, reducing claim duration and total cost.