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Self-insurance for workers' compensation is available to private employers that qualify and that have operations in Texas. Public entities such as cities, counties, school districts, any state of Texas agency, state college or university, or other public entity may self-insure under Labor Code Chapters 501-504.

The main downside to such a claim is that you typically get paid less than you would if you were able to take the case to trial. However, under Texas law, an employee has the right to opt out of workers' compensation coverage.

Do I have to have workers' compensation insurance? Texas doesn't require most private employers to have workers' compensation. But private employers who contract with government entities must provide workers' compensation coverage for the employees working on the project.

Form DWC-1 Employer's First Report of Injury or Occupational Disease. The employer is required to submit this form with EMPLOYERS and the injured employee or the injured employee's attorney within eight days after the employee's absence from work or notice of the Injury or Occupational Disease.

Do sole proprietors need workers' compensation? Though it's not required by law, sole proprietors, independent contractors, and other self-employed individuals may elect to buy workers' comp insurance for themselves. Their clients might also require them to carry this coverage.

Texas calculates these benefits under a formula: 70% of the difference between your average weekly wages and the wages you are able to earn after your injury, or 75% of the difference if you earned less than $10 an hour.

Do I have to have workers' compensation insurance? Texas doesn't require most private employers to have workers' compensation. But private employers who contract with government entities must provide workers' compensation coverage for the employees working on the project.

However, there are exclusions to this rule for some employers listed below: Any public employer including cities, counties, state agencies and state universities. Building and construction contractors for public employers. Motor bus companies and motor carriers.