What We Cover
When an employee gets hurt on the job, the costs can be staggering — medical bills, lost wages, legal fees, and potential lawsuits. Workers compensation insurance protects both your employees and your business. And in Texas, you have options that most states don’t offer.
Collin County Insurance Group shops workers comp across 11+ carriers and also offers Texas Non-Subscription plans that can save qualifying businesses 25–30% over traditional coverage.
Who Needs Workers Compensation
If you have employees, you need workers comp protection — even though Texas doesn’t legally mandate it for most private employers. Going without coverage (called “going bare”) means employees can sue you directly for workplace injuries, and there’s no cap on damages.
The average workplace injury claim costs over $40,000 in medical and indemnity expenses. For high-hazard trades like roofing or construction, that number climbs much higher. We insure workers comp for:
- Contractors and construction trades — one of the highest-risk and most expensive classes
- Restaurants and hospitality — kitchen and serving staff injuries are common
- Manufacturing and warehousing — heavy equipment and repetitive motion risks
- Healthcare and medical offices — patient handling, needle sticks, and slip hazards
- Retail and distribution — lifting injuries and customer-facing incidents
- Professional offices — even low-risk offices benefit from coverage
- Auto service and repair — mechanic injuries and chemical exposure
What We Cover
Traditional Workers Compensation
Standard workers comp pays for medical treatment, rehabilitation, and a portion of lost wages when employees are injured on the job. It also includes employers liability coverage that protects you from lawsuits related to workplace injuries. We have access to over a dozen carriers including Amerisafe, Amtrust, Berkley, Berkshire Hathaway, CNA, Employers, First Comp, Guard, Markel, QBE, and Travelers.
Texas Non-Subscription Plans
Texas is one of the few states that allows employers to opt out of the traditional workers comp system. Non-subscription plans (also called “occupational accident plans”) provide similar benefits to employees but give employers more control over claims management and can reduce costs by 25–30%.
Key advantages of TX Non-Sub:
- Significant premium savings over traditional workers comp
- Employer-controlled claims process
- ERISA plan protection
- A+ XV AM Best rated carriers
- Available for healthcare, hospitality, retail, distribution, manufacturing, grocery, and auto services
Eligibility requirements: 2+ W-2 employees, no 1099 contractors, no staffing companies, no roofers, no oil and gas operations.
Occupational Accident Insurance (1099 Drivers)
For businesses that use independent contractors — especially in trucking and transportation — occupational accident insurance provides medical, disability, and accidental death coverage without creating an employer-employee relationship.
High Hazard Workers Comp
We have specialty market access for classes that standard carriers decline:
- Roofers and waterproofing contractors
- Mining and oil field operations
- Cannabis industry workers comp
- New ventures with no loss history
- Businesses with adverse claims experience
Why Choose Collin County Insurance Group
Workers comp pricing varies enormously between carriers, especially for high-hazard classes. A roofer might see quotes ranging from $15 to $40+ per $100 of payroll depending on which carrier you use. We shop across Combined Group, Johnson & Johnson MGA, and our direct carrier appointments to find the most competitive option for your specific classification and loss history.
Plus, we’ll help you evaluate whether traditional workers comp or a Texas Non-Subscription plan is the better fit — a conversation most agents can’t even have because they don’t have access to non-sub markets.
How Workers Comp Pricing Works
Your premium depends on three factors: your payroll, your classification code (the type of work your employees do), and your experience modification rate (your claims history compared to similar businesses). A clean loss history earns you lower rates. High-hazard classifications like roofing or heavy construction carry higher base rates than office work.
We review all three factors to find savings — sometimes reclassifying employees or splitting payroll between codes reduces your premium significantly. It’s the kind of detail that matters when your workers comp bill runs into five or six figures.
Ready to protect your workforce and your bottom line? Contact us for a free quote today.
