Texas Construction Insurance: Requirements, Costs, and the Workers' Comp Question

Texas construction insurance guide covering workers' comp opt-out risks, GL requirements, commercial auto minimums, and what GCs require from subcontractors.

State + Industry Guides | 9 min read | 2026-04-03

Texas is the only state where workers' comp is optional — but for construction companies, opting out is a gamble most can't afford. Here's what Texas contractors need to know about insurance requirements, costs, and the non-subscriber trap.

Texas is unique: it's the only state where private employers can legally opt out of workers' compensation insurance. About 20% of Texas employers are \"non-subscribers\" — but in construction, that number is much lower because the practical consequences of opting out are severe.

In This Article

• The Texas Workers' Comp Question for Contractors
• What Workers' Comp Costs in Texas Construction
• General Liability: What Texas GCs Require
• Commercial Auto: Texas Minimums vs. Reality
• Inland Marine: Protecting Tools and Equipment
• The Complete Texas Construction Insurance Package

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