Texas Workers’ Comp Insurance

  • Policies as low as $25/month
  • Get quote and policy issued online, right here, in under 5 mins
  • AM Best A (Excellent) rated carrier
  • Buy direct from us
  • No brokers involved
  • 70+ industries covered
  • No phone call or offline wait
  • 100+ years of experience selling insurance
  • Cerity is a wholly owned subsidiary of Employers Holdings
  • 100 price points used to deliver fair price

Protecting your team has never been easier

“Cerity is completely reinventing workers’ compensation for small businesses.”


“Powered by a complex algorithm, Cerity’s proprietary pricing model provides tailored quotes that address the individual needs of business owners.”


“Kiss goodbye to the phone tag, tedious applications and endless wait times.”

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, 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

Lawyers & Attorneys at Law, Court Reporters, Notaries and Transcription

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Personal Services

Hair Salons, Barber Shops, Interior Design Studios, Photography/Photofinishing, Nail Salons, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

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Clothing Retail

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

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Personal Product Retail

Bike Stores, Camera/Photo Supplies & Repair, Cell Phones & Cell Phone Repair, Computer Stores, Musical Instruments & Supply Stores, Tobacco/Vaping, and 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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Construction Services

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

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Financial Services

Accounting, Auditors, Bookkeeping, Financial Advisors & Trust Companies,Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title and Title Insurance

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Scientific Services

Scientific, Technical, & Environmental Consulting

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Office, Home, & Garden

Beauty Supplies, Bookstores, Cosmetics, Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Mailing/Packaging Stores, Model/Toy/Games Stores, Optical Goods Stores, and Perfume Stores

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Therapeutic Services

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

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Texas Statistics*

*2017 business stats provided by the Texas Department of Insurance

4.7 million

number of Texans employed by small businesses


183,396

number of workplace injuries


25

number of Austinite Willie Nelson #1 hits


10,000+

number of Mexican restaurants in Texas


7

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


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., an 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.

Workers' Compensation for Texas Businesses

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

We know you’re busy, so we’ve made buying workers comp to protect your business as easy as ordering pizza for your working lunch.

Cerity has built our home here in Texas, where 99.8% of companies are considered small businesses and employ an impressive 4.7 million Texans.

We realize that small business needs are as wide as the 13-hour drive from El Paso deserts to the swamps of the Cajun country. Although Texas is known for open spaces filled with oil rigs, massive refineries and cattle, most small business employers are in health care, travel, entertainment and retail. We’re focused on making the process instant so you can get back to work.

As varied as Texas businesses are, they all have one thing in common: the need for worker’s comp insurance. 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 hire catering crew “muscle” overdoes it by unloading 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.