Cover your Texas business in a few clicks.

Simple process. Affordable price. 70+ industries & growing.

Texas Businesses We Cover with Workers’ Comp Insurance

Texas Businesses We Cover with Workers' Comp Insurance

Food & Beverage

Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs

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Tech Services

Data Processing, Ecommerce, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)

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Legal Services

Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and Transcription

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General Retail

Bakeries, Beer/Wine/Liquor Stores, Butcher/Meat Markets, Convenience Stores/Gas Stations, Discount Stores, Fish, Seafood, Fruit & Vegetable Markets, Grocery Stores, Laundromats, Pet Stores, Pharmacies/Drug Stores, Specialty Food Stores

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Educational Services

Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, & Translation/Interpretation Services

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Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)

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Personal Services

Barber Shops/Salons, Cemeteries/Mausoleums, Crematoriums, Funeral Homes, Interior Design, Pet Kennels/Groomers, Photography/Photofinishing, Gyms, Nail Salons, Self-Storage, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

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Clothing Retail

Bridal Stores, Clothing Stores, Dry Cleaners, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops

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Personal Product Retail

Art Galleries/Stores, Auto Parts, Beauty/Cosmetics, Bike Stores, Bookstores, Camera/Photo Supplies, Cell Phone Retail/Repair, Computer Stores, Jewelry Stores, Musical Instruments, Sporting Goods , Tobacco/Vaping & Video Games

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Medical Professions

Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians

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Architecture & Engineering Services

Architects & Drafting, Engineering, Surveyors, & Window Treatment Stores (we do not cover construction contractors or trucking companies)

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Financial Services

Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title Insurance

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Scientific Services

Scientific Research & Development/Consulting, Technical Consulting, & Environmental Consulting

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Office, Home, & Garden

Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Floor Covering Stores, Mailing/Packaging Stores, Models/Toy/Games, Office Supplies, Optical Stores, Paint/Wallpaper Stores, Perfume Stores, Plumbing & Taxidermists

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Therapeutic Services

Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy

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Workers' Compensation for Texas Businesses

Worker’s comp insurance from deep in the heart of Texas

Texas, home state to Tommy Lee Jones, Matthew McConaughey, Beyoncé, BOTH guys from Supernatural, and now Cerity! We built our home in Austin, the tech hub (geek central) of this mighty state known for its independent streak, where 99.8% of companies are considered small businesses and employ an impressive 4.7 million Texans. We get to see the celebs as they come in droves for SXSW and Austin City Limits Music Festival while we enjoy the best Tex-Mex and fusion eats.

Small business needs are as wide as the 13-hour drive from the desert of El Paso through the rolling hill country of central Texas, to the subtropical climate of Houston and on to Orange, the gateway to the swamps and Cajun country. Texas is known for open spaces filled with oil rigs, massive refineries and cattle, but did you know that most small business employers are in health care, travel, entertainment and retail?

With destinations like San Antonio and vast stretches of Gulf Coast beaches, it’s no wonder that Texas is a vacation hot-spot. Construction jobs are the third largest employer category, because room to grow and business-friendly tax codes draw entrepreneurs like moths to a flame. From the pharmaceutical and telecom companies in Dallas, to the oil and gas industry in Houston and West Texas, to the tech-heavy jobs in Austin, Texas has high-paying professional positions and the retail businesses to support their lifestyles.

As varied as Texas businesses are, they all have one thing in common: the need for worker’s comp insurance. Though it’s not mandatory in Texas, Cerity protects your business when your employee drops his Whataburger lunch in the break room, slips on spilled coffee, and falls into the glass shelves of office snacks. Or when your new “muscle” on the catering crew tries to prove himself a little too much and unloads a tall stack of hot steam trays of brisket, gets sweat in his eyes from the 108 degree day, and whacks his head on the van door. Bless his sweaty little heart.

Texas Statistics*

*2017 business stats provided by the Texas Department of Insurance

4.7 million

number of Texans employed by small businesses


number of workplace injuries


number of Austinite Willie Nelson #1 hits


number of Mexican restaurants in Texas


number of feet taller the Texas capitol is over the US capitol

workers' compensation in texas

Explore commonly asked questions about business type, industry and state.

To put it simply, your business is covered. Just like that.In most cases, all of your employees are covered by workers' compensation insurance, including subcontractors (given they provide you a Certificate of Insurance). However, a Certificate of Insurance (COI) isn't a guarantee of coverage (policy may have cancelled since issuance). You should request periodic COIs throughout the contract.
Workers' compensation insurance provides all state required benefits, including reasonable and necessary medical treatment and wage replacement, for employees injured in the course and scope of employment.
In most states, it’s required for small business owners to obtain workers’ compensation coverage. In the event that an employee is injured in the course and scope of your employment, workers' compensation insurance protects you from costly lawsuits and provides state required compensation for the employee, including lost wages and medical expenses.
The estimated premium is based on estimated payroll (at the beginning of the policy). The final premium is based on actual payroll (at the end of the policy) for the policy period (usually 12 months). In the event your payroll changes, we'll work with you on adjusting your policy.
Yes, the workers' compensation policy covers all of your employees. Significant changes to your payroll should be reported to Cerity. This will help mitigate having a large additional premium due at the end of your policy period.
Cerity is a data-services company that is a licensed insurance producer that provides comprehensive workers' compensation insurance for American businesses. In less than five minutes, a small business owner can have a quote and can be protected as soon as the next day. In other words, your business is covered. Just like that. We are backed by Employers Holdings, Inc., a workers' comp industry veteran of over 100 years, EHI is reimagining how to purchase workers compensation insurance.
You do not need any documents to apply - we told you it was simple! All you need to obtain a quote is tell us a few quick things about your business and we should be able to get you a quote.