General Liability vs Workers Comp: What’s the Difference?
General liability covers third-party claims. Workers comp covers employee injuries. Here’s the difference, cost comparison, and why most businesses need both.
Workers Compensation
Texas Workers Comp for Roofers: Complete Guide (2026)
Roofers pay $5-$15 per $100 payroll for Texas workers comp. See 2026 rates, real cost examples, lawsuit risks, and how to lower your premium.
What Happens If You Don’t Have Workers Comp in Texas?
No workers comp in Texas means you lose every legal defense. Your employee can sue for pain and suffering with no cap. Here’s what actually happens.
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.
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.