Who Is Covered Under Workers’ Comp Insurance? 

Understanding who is covered under workers’ compensation insurance is essential for many Texas employers. At Luna Insurance Agency, we know that navigating the details of workers’ comp can be challenging, especially since laws differ significantly from those in many other states, and other applicable requirements may vary based on unique circumstances.

How Does Workers’ Compensation Coverage Work?

In Texas, workers’ compensation insurance is not legally required of all employers, but many still must abide by other mandates, such as those imposed when seeking public contracts. Regardless of formal obligations, retaining coverage is often advisable, as policies can provide benefits to employees who suffer work-related injuries or illnesses.

Specifically, the following parties may be eligible for workers’ compensation benefits following on-the-job incidents:

• Full-time and part-time employees—Traditional employees on your payroll are typically covered if your business carries workers’ comp insurance.
• Temporary and seasonal workers—These employees may also be eligible for coverage, depending on the policy and their employment status.

Who May Not Be Covered?

In some cases, certain classifications of workers may not be covered under standard workers’ comp policies, including the following:

• Independent contractors—Unless specifically included, contractors are typically not covered and may need to secure their own, separate policy.
• Domestic workers in private homes—These employees are often excluded from workers’ compensation coverage.
• Volunteers—Unless your policy specifically includes them, volunteers are generally not covered by workers’ comp.

How Our Team Can Help

At Luna Insurance Agency, we help businesses in and around Fort Worth, TX assess their risks, understand their obligations and secure the right workers’ comp coverage for their teams.

If you have questions about who is covered under workers’ comp insurance or want to reassess your policy, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.