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.
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