What Are My Options If My Employer Doesn’t Have Workers’ Compensation?

Workers' compensation insurance exists so that 1.) employees are protected from out-of-pocket expenses related to work injuries and 2.) employers are protected from lawsuits and having to pay for the expenses of workers injured on the job.

Texas is one of the few states that does not require employers to offer workers' compensation benefits to employees. While employers are generally encouraged to have this coverage, not all do. And as we know, work injuries can happen in any work industry or job position. So how can you pursue compensation if you aren't covered by workers' comp?

Non-Subscriber Employers and Work Injuries

If your employer doesn't offer workers' compensation as a job benefit, they are known as “non-subscribers”—as in non-subscribers to the statewide workers' comp system. As such, they lose certain legal protections, including immunity from lawsuits filed by injured employees.

This means that, without workers' comp coverage, you have the option of seeking compensation directly from your employer (versus the insurance company). To successfully pursue win a lawsuit for a work injury, you don't have to prove that the entirety of the accident was your employer's fault.

As long as you and your attorney can prove that even 1% of the accident was caused by employer negligence or even another worker, your employer is responsible for 100% of your damages, including past and future medical bills, lost wages, impairment, pain and suffering, and more.

Contact Our Corpus Christi Work Injury Attorneys

If you have been injured at work in Texas, please don't hesitate to reach out to The Edwards Law Firm for legal guidance. We understand that receiving proper compensation is vital to your physical and emotional recovery. Our attorneys are prepared to handle your case from start to finish so you can focus on healing the right way.

Contact our Corpus Christi work injury attorneys at 361-698-7600 to get started with a free case review.