How Do I Know if My Employer Has Workers’ Compensation?

In Texas, employers are not required to have workers’ compensation insurance. That said, some choose to carry this form of coverage to avoid facing a personal injury lawsuit in the event of a workplace accident. If you were injured while performing your job duties, you must know if your employer is a non-subscriber and what your legal rights are. Remember, if your employer opted out of workers’ compensation insurance, you will go through a different process to obtain compensation.

Determining if Your Employer Has Workers’ Compensation Insurance

If you are unsure if your employer is a non-subscriber, there are a few different steps you can take to find out of they have workers’ compensation or not.

Here are some ways for you to find the answer:

1. Reach out to your employer’s human resources department: One of the easiest ways to determine if your employer carries workers’ compensation insurance is to reach out to their human resources department. However, be aware that they might not always be properly informed and, in some cases, they might not even be truthful. To avoid being sued for compensation, they might lead you to believe that they have workers’ compensation coverage.
2. Check with the Texas Department of Insurance: The workers’ compensation division has a website that allows employees to check if an employer has workers’ compensation coverage. Enter your employer’s information in the appropriate fields to determine if they have workers’ compensation.

Understanding Your Rights as an Employee

If your employer has workers’ compensation insurance and you sustain a work-related injury or illness, you can potentially receive several different types of benefits, including a portion of your wages and medical expenses. However, if your employer is a non-subscriber, you have the right to file a personal injury lawsuit to recover damages. In this case, you must prove negligence to successfully obtain compensation for your injuries. Regardless of the route you take, an experienced attorney is necessary to improve your chances of success.

Reach Out to an Experienced Workers’ Compensation Team Today!

If you were injured on-the-job, you are eligible for workers’ compensation benefits. However, not all employers are required to carry workers’ compensation insurance in the state of Texas. If that is the case, you can file a personal injury lawsuit against your employer. At The Aguirre Law Firm, PLLC, our team can handle your workers’ compensation case or your personal injury claim, depending on the circumstances of your situation. With over two decades of experience on our side, you can rest assured that your case will be in good hands with us.

Contact our law firm at (210) 922-0808 to request a free consultation. We are available 24/7 to take your call!