Texas Workers Comp Exemptions: Who Can Legally Opt Out? (2026 Guide)
Only 3 employee types are exempt from Texas workers comp. See the full exemption list, owner exclusion rules, and who is NOT exempt under Texas law.
RK Editorial Team
Texas Workers Comp Cost for Small Business (2026 Rates)
Texas workers comp costs $400 to $4,500 per year for most small businesses. See 2026 rates, real examples, and how to lower your premium.
Does a Texas Plumber with 1 Helper Need Workers Comp?
Texas is the only state where workers comp is optional. But a plumber with 1 helper still faces unlimited lawsuit risk. Here’s what the law says and what coverage actually costs.